Hello, June last year I had a total loss right off involving no other parties. The vehicle was valued at £265 and the excess was £250. I contacted Admiral who processed the claim within 24 hrs. Obviously nothing ventured nothing gained or lost. Several weeks later I received a new certificate of insurance and policy documents for my old right off and a letter saying I owed them a premium of £620. When I referred to my exisiting documents I found that they had all expired in April 2012 including my certificate of insurance. My policy had been automatically renewed but no paperwork had been sent. I appealled to Admiral stating that clearly I have no documents in relation to the future premium you wish to claim and considering the low value of the car it clearly wasn't in my interest to have claimed because you now pursuing more money than the car was worth!!!!!!!!! The explaination given by Admiral is the the paperwork sent after the crash was an admin error, they claim to have sent it back in April 2012!!!!! I never go it!!!!!! They also say that because I made a claim, I was aware I was insured through them and this means I have agreed to the terms and conditions of the credit agreement. The argument for me isn't whether I was insured or not.......its the future premium they are dicking me over for with the late documents they sent after the claim was closed!!!!!! They have since refered me to a debt collection agency. Any suggestions???????

Hi Folks, Is anyone here over the age of 24 and found that their Apprenticeship Applications are rejected with excuses rather than reasons? I have made several without so much as getting an interview. Recently was rejected for an Junior IT job where I have the neccessary skills but they used my GCSE results from 16 years ago as the reason why I was un-successful. I am aware that businesses are able to apply for funding from the Governments Apprenticeship Scheme for applicants between 16 - 24 years old. They are however obligated to advertise the vacancy to the public. I'm concerned that age discrimination is being used by employers to ensure the vacancies are filled by those who are eligible for the funding. If that was the case then applicants over 24 may be subject to having their applications POO POO'd before they even get face to face with anyone!!!!!!!! Alex1980