gaznolan
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I got a letter through from excel I think it was showing pictures of my car stopping in the dark at 330am after we got back from holiday. I had to stop, I got a warning on my dashboard saying the boot was open and rather than the cases falling out on a single lane road I pulled into a junction jumped out opened the boot slammed it shut and drove off no more than 20 seconds. The images show I wasn't there long. I've appealed the fine and they said they'd be in touch within 28 days. Got an email today saying they want more time, decision by 02/09/23. My query is have they shot themselves in the foot so to speak by not sticking to their own terms? Thanks in advance
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You all are aware of todays date ?
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Hastings Direct Smartmiles, Have they stolen my money?
gaznolan replied to RonnieC91's topic in Motor Insurance
but you had a policy for say £500 for sake of argument ... that is the cost to cover your car in the event of an accident be it repaired or written off or to repair the other car that you hit ... its done what it was there for so why do you only think you should only pay for part of it ... if you'd paid in full you wouldn't get anything back after a fault claim ... and when you said you admitted liability because you pulled out of a side road and the car coming toward you didnt stop ... it wasnt their position to stop it was your responsibility NOT to pull out in a dangerous manner ... and then people complain their insurance is expensive ...it beggars belief it really does -
Hastings Direct Smartmiles, Have they stolen my money?
gaznolan replied to RonnieC91's topic in Motor Insurance
Of course you have to pay the full premium ...you've used the insurance ...Put it down to experience and learn to read ALL of the terms and conditions ...Sorry if that seems harsh but it's true -
GE Money - The Personal Loan Express
gaznolan replied to dariusman31's topic in Payment Protection Insurance (PPI)
Mortgage was taken out in 2007 so within the ICOB ... but FSCS people were useless .. and couldn't even suggest a solution other than get all the T&C docs from the original loan provider -
GE Money - The Personal Loan Express
gaznolan replied to dariusman31's topic in Payment Protection Insurance (PPI)
Sorry it was the FSCS I've been dealing with . . nothing they can do without Documents apparently ...I've given them everything else , proof I had the PPI , proof it was paid, a letter from GE Money agreeing all of that but the inept bunch at FSCS say nothing can be done without original documents ... -
GE Money - The Personal Loan Express
gaznolan replied to dariusman31's topic in Payment Protection Insurance (PPI)
I have a similar situation ..they can see my PPI but because it was sold by TPLE they are washing their hands of it all and suggested the Ombudsman who have said show me the PPI info so I've sent everything I had, no documents were ever given to me as far as I can remember, The ombudsman has said send all info on th PPI inc the T&Cs which I haven't got so they've said nothing we can do ... Spoke to GE Money again and they've said we have nothing . .. So I'm stuck between a rock and a hard place .. .Hope you get a resolution though -
Non motoring criminal conviction may mean you don't operate within the law therefore you are more likely to Speed/drive dangerously ... and the same applies for Home Insurance . ..It's all risk based if you want the best price don't take risks , Simple really
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The loan company will need to know for Money Laundering purposes - She will need to tell them if she wants it changing on her file
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Simple solution insure the second car with your original insurer , they should be able to match the NCD for both cars
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How do you think the council can put a charge on half a house ..... Half a house is worth nothing because you can't sell it .... what would be better is, with hindsight, whoever told the people to have the property as tenants in common should have set a will in place or a trust so that somebody else took control of their share in the event of death or incapacity
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House under-valued by a surveyor
gaznolan replied to Vicki Seddon's topic in Mortgages and Secured Loans
Right what you need to do to appeal the decision is to find 3 comparable properties that have sold in the last 3 months usually. Unfortunately the surveyors are a law unto themselves and I doubt very much you will get him to change his or her mind. My biggest issue with clients I deal with is the valuations that are returned. For comparable properties go to http://www.nethouseprices.co.uk click the sold icon and then add your postcode to see the actual sold values of the properties, remember to check style and number of bedrooms ..Good Luck though -
House under-valued by a surveyor
gaznolan replied to Vicki Seddon's topic in Mortgages and Secured Loans
As far as I remember all Marsden Remortgages have a free valuation .... there is a £299 fee on one of their products but that can be added to the loan .... Did your broker give you a KFI (Key Facts Illustration) about 8 pages with sections numbered 1 to 11 ? -
House under-valued by a surveyor
gaznolan replied to Vicki Seddon's topic in Mortgages and Secured Loans
Firstly where have you got the average valuation price from ? and secondly why are you paying £300 for a valuation on a re-mortgage ? I can't think of a lender, other than very off high street lenders, that charge for a valuation -
so again you are asking what the POLICE can do to help you with an issue of stolen items ....
