Found the FCA page with more info on the review. https://www.fca.org.uk/publications/multi-firm-reviews/findings-multi-firm-review-insurers-valuation-vehicles

NHS is likely to be the number 1 topic for the next General Election and no amount of trying to blame Trade Unions for decline in services is going to work for the Tories. They have been in office for 14 years and the decline was already taking place before Covid.

Don't know where Inspire fit into your claim process. Contact Davies Motor as they said they handle the claim

Your complaint to Swinton is that your simple non fault claim has now become so complex due to the number of companies handling different aspects, that you have no idea what is going on with the claim. It appears Davies Motor are the main handlers of the claim, but that their communications are not offering you any exact information about the current position of the claim. This is a classic situation where the more people who become involved in dealing with something the more confusing it becomes. What you are wanting Swinton to do for you is to contact Davies Motor to get them to confirm the exact current position with the claim. What is the breakdown of how the £905 payment has been calculated. You could contact Davies Motor directly, but I think Swinton as your brokers should note your complaint.

You are still a client of Swinton so they have a responsibility for the service provided by those delegated to handle the claim.

Ask Swintons about the handling of the claim, as it sounds a bit of a mess. At every stage of the claim, it should be explained to you exactly what is happening and why. The fact that you are posting to this website looking for answers is a sign of a poor quality of claims service being provided. When you contact Swinton you should complain about the quality of the claims service and ask them to investigate. Ask for a full written explanation of the handling of the claim.

Yes as you say you ignored it all to this point, you cannot go back to Mersey Flow. If the PCN was not received, you could go through the appeals process Merseyflow - Traffic Penalty Tribunal WWW.TRAFFICPENALTYTRIBUNAL.GOV.UK Merseyflow PCN / Appeal Process Merseyflow PCN / Appeal Process Find out what happens after you have received a Merseyflow Penalty Charge Notice (PCN) issued by If you received the PCN etc, if you want the car back, you will have to pay Marstons the amount that is now due. You could try to contact Marstons head office to make a complaint Marston customer complaints form - WordPress on Azure WWW.MARSTONHOLDINGS.CO.UK Customer complaints form Contact us To pay online

You need to contact Mersey Flow about this, as Marston are following their recovery instructions. The circumstances you mentioned would not stop them taking the car and selling it to recover the amount.

Migration is arguably going to cost the Tories the most votes ? The way they have handled migration is very expensive and not effective. Another example below. https://news.sky.com/story/barges-and-raf-bases-more-expensive-than-hotels-to-house-asylum-seekers-watchdog-13098161

I wonder if Tories will have difficulty in raising election funds? https://youtube.com/shorts/nEmjgVpzuoM?si=A_HqxYIaEViM6FkY

If there was a move to replace Sunak, it would not surprise me if Sunak went straight down to see the King to request an election, which would probably be granted. As I said in a previous comment, there are probably quite a few Tory MP's who don't want to win their seats again and therefore may be delighted If an election were called in the next few months. The Tories need at least 10 years in opposition to help them resolve the political direction most in their party are able to support. When a party has so many different factions, it makes it pretty impossible for anyone to lead them as a team, and in opposition they can go through many changes in leader as they want, before they settle on an agreed way forward.

How old? When did the account go into default ? When did you last make a repayment or admit liability in writing? Have you been taken to Court previously about this debt ?

The more I hear and read about these type of endeavours, just makes me think that many become MP's not to serve constituents interests, but to find ways to increase personal wealth. And many MP's who are likely lose their seats at the election are most likely really wanting to lose, so they can spend time accumulating wealth, rather than dealing with the day to day problems of ordinary people who are just trying to survive. Time for a total change to electoral system. What about the 200 MP's with smallest majorities facing an election within say 3 years. And much more scrutiny by ethics and standards watchdogs, who can trigger referendums in constituencies to see if people want chance to vote out the MP.

A little patience is required here, as you mentioned not having a reply after 2 days. Most Insurers have a target for their staff/teams to reply within about 4 or 5 days. Insurance companies are normally extremely busy and they respond as soon as they can. You don't mention whether a third party caused accident damage to your car and therefore if you got a cheap hire car you could potentially reclaim costs from third party. It could be a few weeks before you receive write off settlement for the car.

I think there is a misunderstanding about how Insurers or their claims management company handle claims. Remember they probably receive thousands of claims every week, therefore they don't have the time or finances to collect every bit of evidence for every such accident claim. They will look at the details of the accident and decide how they will pursue the claim against the third party. Of course third party Insurers do often initially refuse any liability, but then later on they may come to a different decision once it is looked at again . Your current feelings are based on uncertainty, so let the claim process progress and if you want to present more evidence you have obtained then supply this to those handling the claim.

@Square_Lines agree with dx, you are making this over complicated and not getting anywhere with phone calls. You need to write to Ovo as dx suggests. With a paper trail of your attempts to rectify this, if Ovo do not resolve to your satisfaction you can go to the Energy Ombudsman.

I think you should raise a complaint with your Insurance company about the poor handling of your claim particularly the unnecessary hassle from Kindertons. Explain what happened about being forced without proper consent into a hire car, that they now want a signature from you after the event, so they can pursue from third party. Your Insurers have a responsibility to ensure that the service provided meets with the required standards.

Normally the new company receives the updates from previous company and eventually updates the account. But it does not instantly happen. The only caveat is if the usage has been extremely high since migration started or meter readings were wrong, therefore the bills have been incorrect.

£657.84 per month shortfall by my calculation.

First underwriting Ltd are not members of ABI, but their underwriting partners Accredited Insurance Europe Limited (AIEL) are members of ABI. So I wonder if the Home Insurance was also partly underwritten by AIEL and they will look to ensure that existing risks are Insured by them or another Insurers by arrangement.

Who was the Insurance underwriter ? Quite often the underwriting company is different to the Insurance company ( provider) you bought the Insurance with. If the underwriting company are no longer Insuring property risks from the renewal date, then you would have to go to companies that may quote, but they might want a structural engineers report to find out what the risk is like, before they offered a quote. There is no obligation for an Insurance underwriting company or Insurance provider to find you a replacement Insurance or to continue with Insurance they have decided to no longer cover the risks for. If the underwriting company are still Insuring the risks, but it is simply the provider stopping offering this type of Insurance, you may be able to contact the underwriting company directly or via another brokers. The Association of British Insurers may be able to clarify what is happening with the company you are Insured with. Contact us | ABI WWW.ABI.ORG.UK To contact the ABI And depending on the issues with movement in the property, if you get a structural engineers report, which indicates no subsidence, then you could contact companies like Legal & General, Direct Line, Aviva, Brokers, with the information and they may quote with subsidence included.

Schools break up third week in July. But I think the election will be first Thursday in July. The Tories will want a longer campaign period, because they will want to give plenty of time for Labours plans and candidates to be fully scrutinised by media and public. So it would not surprise me if the election in July was called as early as beginning of May after local elections on 2nd of May.

My prediction is that the General Election will be first week of July. Mid Summer, with older more Conservative voters more willing to go out and University students on break. So possibly best time of year for current Government. Some are saying May, because the migration number stats are due to be issued end of May and they are expected to confirm highest net migration on record. I don't think they will leave it until the Autumn

Going by the discussions in this thread, I am guessing there may be a General Election coming up

This is getting into very technical benefit aspects that are unlikely to be answered here. You really need to get in touch with welfare rights/disability benefit advice services, who have a wealth of knowledge about every aspect.