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RAC member ship help
Afternoon all, I put a compliant into RAC as they were still taking money, and the responce was I took a contract on November 2021, I've now got a letter from RAC saying I'm on an 18month contract and because I've cancelled I owe them money 😳. What exactly do I do with this one, it looks like they are trying to fleece more…
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Morrisons Pay-At-The-Pump Warning
Saturday 13 April I am a
pensioner. I needed petrol so I went to
my local Morrisons petrol station. I
knew I had a balance of £102.58 in my HSBC current account (I don’t have an overdraft). I decided to go to the ‘pay-at-the-pump’
pump. I only needed about £25 worth of petrol and didn’t want to use my credit
card, I’m…
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Car insurance claim - magistrate court
I had an "unusual incident" 12 months ago. My NCD was not affected as it was the other driver at fault. Now i have received a letter asking for further details as the other driver says I was partially to blame and is refusing to refund my insurance co's costs. They are asking me for details (again) and my available dates…
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Car over £40,000 tax end (part way through year)
I bought a car 2nd hand and there has been a pause in tax. Originally it cost over £40,00 so attracted the additional £325 in tax for the first 5 years of its life. The tax year will renew literally ONE month before the car is 5 years old. Does anyone know if I will have to pay for the additional £325 for the next year -…
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Cancelled insurance renewal - consequences of ignoring payment attempt?
I switched car insurance companies and confirmed my cancellation with One Call (my current provider) 28 days before the renewal date. I have a screenshot of the live chat conversation where I cancelled. One Call then sent me two automated emails: * One confirming the cancellation. * Another (two days later) stating the…
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Full or major service
My car is a Toyota Yaris about 15 years old. We have always had an interim service every 2 years and full every year because we only drive about 8K miles a year. It needs a full service now - or should with have a major service? See here for details What is the difference between an interim, full and major service? .…
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GAP insurance with salary sacrifice
I know gap has been stopped for the moment. If I have a lease vehicle on salary sacrifice do I need to make up any shortfall myself if the car is written off? My employer owns the vehicle and not me so I’m a bit confused. If we can’t get GAP insurance and we need to make up any shortfall what are we supposed to do? Having…
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car insurance quotes
last year my car was parked up (I wasn't in the car at the time) and was hit by another car, the front bumper and headlight was damaged, the other person drove off without leaving any note. There was no cctv. My question is when checking for car insurance quotes they ask about accidents and claims and im unsure how to…
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Black Horse Finance Voluntary Termination
Looking for clarity. I have enquired with Black Horse regarding the VT of my current PCP agreement. They are saying I have two total amount payables 1) being the car 2) being insurance package leaving me with a shortfall on the liability payment. I was under the impression the total amount payable was everything hence the…
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Cancelling new car
Hi, my partner ordered a new car just over three weeks ago. She paid a £500 deposit and has signed the order form. The car has arrived at the dealership ready for collection. We have since found out that she is entitled to a teacher discount and this works out at £6150 off the price. Does anyone know where we stand in…
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Anyone used a car insurance broker?
I thought my insurance was due to run out next month; but checked and ends in 2 months. Was wondering why I wasn't getting any renewal letters or emails. I thought I would check anyway to see how much I would get on average if I was to do a quote today for 30 days time. Changes; 3/4K (5,000 miles) value car to 30K value…
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Lease car write off/ claim question
Hello everyone. I recently wrote off my car in an accident. The vehicle was a 3 year PCH lease with no option to buy at the end and the accident was 11 months into my contract. I put down an initial 3.5k deposit and I was paying £433 per month. The insurance company valued the car at around £28k which I accepted as fair,…
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2019 Citroen Berlingo with repeated adblue emissions faults - HELP ANYONE?
We purchased our 3rd Citroen Berlingo used van in August 2023 for my husband's business as a mobile locksmith. To date it has been returned SIXTEEN times following the "emissions fault. It will be impossible to start this vehicle after X miles" message. (the number of miles changes from 700, 300 and today only 100 miles!!)…
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Claiming insurance
As I'm a new driver, I only have one year of imsurance with no claims. A man crashed into my car today and when I asked for his insurance, he told me 'I can't give my details because its not my car'. The car was registered to the girl in the backseat who I assume was his granddaughter. I couldnt stop anyone as a witness…
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Cheap ceramic coating
Any tips on how to get ceramic coating cheaper than the £500-600 everyone seems to charge for a 5 year one? Aside from doing it myself, I can't and will have to get someone to do it for me.
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Police won’t return stolen recovered car
Hi everyone, My car was stolen 6 weeks ago. Insurance were almost about to pay me out last week when they said the stolen marker had been removed. I’ve then rang the police who told me it had been recovered by them a few weeks ago. They wouldn’t tell me any information about the condition of the car or anything else. The…
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Call about claims: suspicious?
Hi I am pursuting a claim through Pogust Goodhead for my Vectra. I've had a call from 0121 368 8062 from a guy at Conclusive Financial saying he was finalising details, and I'd receive a call from the solicitors in the next four weeks. He had all the details of my car (including number plate) and my email address and home…
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Car rolled with Handbrake on
I was parked on a very slight hill on a car park (have parked there many times before). Put the handbrake on, went in for lunch and was informed by a waiter that my car had rolled into the managers car (2007 seat ibiza 130k petrol). Damage done to his car is possibly a new bumper required (there's a scratch and a dent). I…
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Confusing double standards from Carfinance 24/7
Hi All, I have been looking at buying a specific model of car that I have wanted for ages. I approached 5 or 6 lenders but ended up discovering that none of them would finance a car older than 2012 or over 100k miles, "for my own protection". Which is a ridiculous premise because the cars I was looking at had lower mileage…
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Getting back excess after non-fault accident.
I was stationery, car hit me. They gave false details, but I had a photo of their licence plate and told my insurers. Initially, my insurers sorted my repairs and I paid a £700 excess and, upon renewal, my premium increased significantly. After a few months, the third party admitted liability and my insurer changed my…
Bought a car, van or motorbike on Personal Contract Purchase (PCP) or Hire Purchase (HP) since 2007? Discuss the probes into hidden discretionary commission and undeclared commission - and how to complain.
Confused about parking penalties and fines? Get help with all kinds of car parking problems.
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