daviet1976
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Everything posted by daviet1976
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stolen car claim on hold;key transponders do not match
daviet1976 replied to moomin30's topic in Motor Insurance
Yes Lemon. A post previously state they have checked the transponders and one appears to be missing. I still state that NUI would need to prove that the Insured had someething to do with it! It's not simply a case of NUI saying "we don't believe you" I assume this case is with TCS (technical claims services) down in London? Have you got a claim number for our NUI friends to check? -
stolen car claim on hold;key transponders do not match
daviet1976 replied to moomin30's topic in Motor Insurance
But they would need to prove that you had something to do with it! Ridiculous... Have you appealed the decision? Might be worth a written complaint. -
stolen car claim on hold;key transponders do not match
daviet1976 replied to moomin30's topic in Motor Insurance
But they would still have to prove that the claim is fraudulent, and not fortuitous. I assume they have declined your claim? Have they given you a reason? -
Asked to pay excess in ADVANCE of claim - how come???
daviet1976 replied to Mary Martha's topic in Motor Insurance
Sounds as if the claim has been accepted already and the details passed to iVal for settlement. It's unlikely the OP will have any contact with a NUI office now (unless there is a problem. All I'm saying is that it is normal practice for NUI to request payment of the excess before your recieve yours goods or your car repaired. -
Asked to pay excess in ADVANCE of claim - how come???
daviet1976 replied to Mary Martha's topic in Motor Insurance
Apologies. 99.9% of the claims I personally settled were handled this way- both household and motor. Simply for efficiency. -
...which means I should hear from HBOS any day now Congratulations Karen!!
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Anyway. Update. HBOS confirm receipt of my hardship claim. £700+ of charges since my last post. Claim now stands at £8500. Am going for the softly softly appproach and being nice and stuff. Am also being very polite on the telephone and not sounding too desperate. Called again this morning to request they look at my claim more urgently as "I have no money". They will look at it asap. Keep you posted.
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stolen car claim on hold;key transponders do not match
daviet1976 replied to moomin30's topic in Motor Insurance
How did this turn out jista? -
Asked to pay excess in ADVANCE of claim - how come???
daviet1976 replied to Mary Martha's topic in Motor Insurance
Just want to add that 99.9% of insurance claim are dealt with in this way. If you get a replacement TV for instance, at what point would you expect to pay your excess? Very few claims are settled by cash these days, given money laundering and fraud concerns (although cash settlements are a very effective method of saving money!) Think about what happens with car insurance. When do you pay your excess to the repairer? Before or after the repairs? Legally everyone has an element of self-insurance written into their policies. This is the excess. By paying the excess you, in effect, seal the contract of the claim being accepted and allow the insurer to proceed further. This is why we were always told to be very careful in requesting an excess if we thought the claim was in anyway fraudulent, as we could not give an insured the impression that the claim was "accepted". -
Ask her to bring in some shopping or something when she calls round. Explain that you're out of milk and biscuits.
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Fred Bassett v Halifax
daviet1976 replied to Fred Bassett's topic in Halifax Bank and Bank of Scotland
Wow. How many spelling mistakes?! And where's the signature on the agreement? -
Absolutely had enough. 9 months of complaints!!
daviet1976 replied to bing's topic in Halifax Bank and Bank of Scotland
Incredible. Can't believe the utter incompetance of the staff in this case. Where did your "in house" complaint lead in the end? Was their £50 compensation the final offer? -
But not since the start of the year in Edinburgh. Seems everywhere is sisting claims at the moment.
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Car Insurance claim from Turnamms - Help!
daviet1976 replied to thewitney's topic in Motor Insurance
Collisions on/in roundabouts are notorious to settle. Insurer will most likely settle 50/50. The letter you have received is a standard letter. I assume you informed your insurer of the accident, as per you insurance wording. If not, you will have to report the accident to them now, highlighting this new letter. You'll no doubt deny responsibility but, realistically, where do you stand? Give your insurer all the details from the letter and let them deal with it. Watch your renewal! It might shoot up as a result! -
Agree with the first and second points! (Ex NUI you see!) If your husband was reversing, then the onus is on him to ensure that he had enough room to complete the manoeuver. Regardless of the other driver's alleged speeding (which cannot be proved). It sounds as if the other driver has claimed for some form of injury. If not, you have the world's worst claims handler!
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Buildings & Contents Insurance
daviet1976 replied to danjude01's topic in Insurance/Assurance Companies (Not Car Insurance)
Agree. Commercial Insurers would not load your policy by so much. A high street insurer is assuming YOU are making the claims on YOUR property for YOUR damage. This is clearly not the case, but their systems cannot "see" this. If some of the claims were for negligible amounts, you could elect to pay the Insurer back. This action would result in the claims being settled for £0, which should show on the Claims and Underwriting Exchange. However, as lemontwist will agree, underwriters tend not to use CUE. It is left to the claims department to check for undisclosed claims (i.e. for claims you made and did not tell the underwriters of your new policy). -
rippedoffagain v Halifax
daviet1976 replied to rippedoffagain's topic in Halifax Bank and Bank of Scotland
Ah.........go on! -
...and rightly so Mark! T-mobile should have acted on the information you provided. What you have done is "fronted" the policy. This is more usual when, for example, a father states that he his the main user of the vehicle and not his son in order to obtain a cheaper premium. What you have done is much more serious and obtained an insurance contract for someone who is not even entitled to it! With luck, T-Mobile made a big mistake here and things fell in your favour!
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say something nice about the person above you
daviet1976 replied to yourbank's topic in The Bear Garden – for off-topic chat
Sharp and witty. -
Brook(e)
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word non-association II
daviet1976 replied to HSBCrusher's topic in The Bear Garden – for off-topic chat
splurge -
On this day in history...
daviet1976 replied to Spiceskull's topic in The Bear Garden – for off-topic chat
1925 At Guy's Hospital in London, six year old Patricia Cheeseman becomes the first person to be successfully treated with insulin
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