I looked at the thread because I thought it was about 'dissecting the Manchester Test Cases'. Have recent threads been 'on topic' ? Ok having a rant, but for what purpose, apart from getting it off your chest. I would suggest that you club together and buy your own island. Then you can make any laws that you want to or have none and you would not even need a parliament. I have family in Australia who have resided there for 10 years. My BIL is a corporate lawyer. He says it is one of the most bereaucratic countries he has ever lived in, as they love red tape. The cost of living in Australia is now a lot higher than the UK. I love Australia but unless you have £500k+ or are willing to live in the middle of nowhere, money does not go far.

May I suggest that you post this on the moneysavingexpert (MSE) forum Insurance & Life Assurance - MoneySavingExpert.com Forums There are many more experts on that site, who can provide you with valuable advice on this. My reaction to this is that you should approach the police for a report, which indicates that the 3rd party advised that their car had not been damaged. Then send a copy to his solicitor and Insurer, so they can look into this further. Be careful about making any allegation of fraud without proof. When you post on the MSE, make sure the post is a bit clearer. I found the events hard to follow. Try to put your case in a date order, so people can see the sequence of information. Why have Morethan voided the policy, when there was another claim on the policy. You should have advised them of the full information about the use of the car, so they do have a point. Whether voiding the policy was the correct decision, I cannot answer.

Well done! I wish you success in pursuing this further with Tesco.

Nicky That was the problem with your posts in this thread. They did not give clear information about the chain of events. If you wanted to be given advice that was tailored to cover the exact situation, you needed to provide better information. The reason I deliberately posted a negative comment, was that you did not react to very reasonable questions, even though you were viewing the thread. When you appear in court they will be asking questions and if you don't answer them clearly you will have difficulty in making a successful argument. I do not apologise for the challenging style of my comments. You were posting on this site a day before your court appearance and therefore neeeded to be challenged. If you just wanted someone to agree with you and provide you with false confidence, personally I don't think that would have been helpful. Anyway as I said, I genuinely wish you good luck and look forward to you updating us later.

Sorry Nicky I can't see you winning the appeal and agree with the solicitor you talked to about this. Tesco are right to appeal to the FOS. It sounds as if the full story was not given to the FOS. Good luck anyway. Let us know how you get on.

Looking back at your previous posts you only appeared to call Tesco after the Police had stopped you. It was at this point that there was a problem with the information you were given. Was the policy cancelled before the date you were stopped? Did you register with Tesco a power of attorney or letter from your son giving permission for you to deal with the policy ? Was your address given to Tesco as the address where the car was kept as well as being the address for correspondence? If your address was registered as the address for correspondence, were any letters received from Tesco regarding payment issues ? Were Tesco aware that you were the main driver, as your son was mainly living abroad?

I take it your son was the policyholder and you were just a named driver. As this is the case, the policy was a contract between your son and the Insurers. Only your son could could make any changes to the policy and in the event of there being payment problems, they would have only written to your son at the address he noted as living at. They would not write to the named drivers. I can't see your appeal being successful, if you cannot make a case here on this forum. Your only hope is that the people representing Tesco Insurance admit to errors.

Were you the policyholder or just a named driver under your sons policy?

The 28 day period is a waiting period to see if the car is found. In regard to the hire car, it depends on whether you have cover under your policy. Ask your Insurers.

In have dealt with claims in this situation. It is a bit of a cop out by Insurers. Normally if you argue about this, they will up the claims settlement and meet you half way i.e £2k more than current offer. So my advice is to make a formal complaint in writing asking for a final decision, as you wish to let the FOS decide on this. They may come back with a better offer, if they think the FOS would rule in your favour. They hate having the FOS rule against them, apart from the £500 case fee they would have to pay.

Yes no problem involving the FOS if Lloyds TSB have issued their final decision. But the FOS could take ages to deal with this. I have heard they are taking 6 months or more. In regard to how the Insurance was arranged. Did you speak to the Insurance advisor at the company directly by phone. Or did the branch manager do this and relay the answers/questions. If it was arranged by phone Lloyds TSB may have a record of the phone calls. Have you considered making a subject access request under Data Protection to Lloyds TSB Insurance, asking for a copy of all records, including any recorded telephone calls. A subject access request costs a max of £10. Speak to the branch manager on Tuesday and say that you will be pursuing with the FOS, but would like to make a subject access request under Data Protection, so require all data and phone call recordings held by Lloyds TSB regarding this Insurance.

You need to enter into the Tesco Car Insurance complaints procedure. Write to them or phone and ask to be put throught to customer relation. Ask to register a complaint. What I suspect they will do, is calculate the premium for the 10 weeks you were with them which will be based on short term rates, add on any cancellation charge and then provide you with a full breakdown of this. If you paid this amount, then they will release the no claims proof.

To be honest I don't understand the comments in your post. I gather the FOS and ICO believe that the Tesco Insurance records were inaccurate and this led to misleading advice being given. Tesco are disputing this with the FOS and the ombudsman will decide in due course whether to accept their appeal or not. If the FOS details and your other defence information suggests that you fully believed that you held Insurance at the time you were stopped, I cannot see you losing your appeal. In this situation if you are not confident in putting your case forward, you should have arranged for a solicitor to have helped you.