Thanks all - I am considering fessing up about the mods hoping the insurer will simply back-bill me for the increased premiums. This is a non-fault accident surely there is no interest in them declaring my insurance void? The other party would still end up footing the bill surely?

Just checked and esure will give me a new car, problem is, I realised having gone through my docs that I didn't declare the factory fit options! so, they will probably give me a basic cooper! crap!

Just to add, the mini bodyshop haven't yet had chance to take the bonnet off to have a proper look and assess the damage costs, this was just his guesstimate looking at the amount of work that will probably need doing - all the airbags have gone off for example. I'm surprised they managed to get the car from the compound in the same day as the accident to be honest!!

Hi all Long time again (it's funny how you only seem to need these forums when something goes wrong! It's reassuring to know there's a place to turn in times of crisis!) Situation is on the 1st of this month I took delivery of a brand new mini, on PCP. Today, I was in an RTC that wasn't my fault (police attended and are doing the other driver for driving without due care). I am having the car repaired by the mini dealership, which means I have to pay my excess and recover it later. All standard.* I spoke to the mini dealer today who have looked at the car and think it may be a write off. My question is, this is a car with over £5k of extras on top of the basic cooper price. If they write it off and I suffer a shortfall between invoice price and the amount I get as a settlement, can I claim the shortfall from the third party via the "uninsured losses" route alongside the excess etc.? I don't have gap insurance. Thanks for any pears of wisdom

Not since 2007. I have had two experian statutories in the interim that had no issues

I tried signing up to noddle but they don't accept my details! I'm using my debit card ... Wonder if that's a sign that the account isn't listed

Ah ok... I don't know. Ive not checked it for ages. Perhaps this is a good reason to order a statutory. Worst case scenario if the account is on there, I'm guessing it will affect it?

Thanks for replying so late DX! I'm not sure what you mean by does it show?

I dipped below zero on my Santander current account for a day. Paid my charge, its unarranged, and I am now back in the black. My worry is... Will it have affected my credit rating?

agree with Emz Go in with your tail between your legs with the argument that: - it was an isolated case of bad judgement - you are normally a loyal and hardworking employee - it will never happen again Save any "they didn't get the same treatment" talk for an appeal / ET

Well I'm pleased to say over the weekend the cheque arrived. More than happy with the result, though I was kinda ready for a fight! I might drop a quick email to the CEO just to say thanks for resolving the issue.

Owning an out of date license is not illegal, but driving with one is. They won't fine you for being late renewing, but you could end up fined if a panda car pulled you over.

Study your contract closely, I suspect the 1 month notice applies only after your probationary period is over, if either party wants out before then, it's usually a weeks notice!

Ask him for his ID card. If he does not provide it, tell him to communicate everything in writing from his company's office address, no telephone numbers (especially mobiles). Tell him that you are revoking the implied access across your land to your front door and any further attempts to make in-person contact will be considered trespassing and tantamount to harassment. If he continues to harass you call the police. Only deal with in writing, and only registered writing too. Hand-posted notes through the door are not traceable. You don't know if they are from him or someone else - so file those under "bin".

Was it a private or council car park?