*~*TGIF! Daily Chat*~*

jinky67

ZTD wrote: »

Naah...BJ's.

Not to be confused with PJ's, though they sometimes go hand in hand...

kinda hard to do that when you live apart:p

pj's?????

what are these?:rotfl: :rotfl:

tigzem

ZTD wrote: »

The letter is not a conviction only an accusation. You're only convicted when you either accept it, or are convicted in a court.

Sorry ~ endorsement on the driving licence. Which is obviously how they've found out about it.

sammy115

tigzem wrote: »

Hi Sammy,

If you're fully comp the normal procedure for a non~fault claim is for your insurers to repair your car or offer you a settlement if written off, then they would claim this amount back from the TP insurers. They would deduct your excess which is then left to you to claim back from TP insurers either yourselves or using a Legal policy.

However, as your insurers are voiding your policy for non~disclosures, they will not pay out for your car, BUT as the claim wasn't your fault you can still claim back from TP insurers yourselves. I would suggest writing to the TP company and request reimbursement.

Have HSBC given you 7 days RTA cover in the letter? You should have 7 days before they cancel a policy (well that's how the company I worked for did it) allowing you time to arrange another policy.

Alternatively you could argue the point that how could you advise them of a speeding conviction that you weren't aware of at the time of buying a policy, but I'm not too sure how you'd stand on that one.

HTH x

Hi tigz

Thanks for that! Useful info - whats RTA by the way? they offered us a settlement figure about three weeks ago and asked us to send the log book, mot cert and insurance cert to them which we did. They are now asking us for the certificate back!! No need to have insurance as we haven't got the car in question.

I have raised an official complaint with HSBC - I will speak to TP people on Monday. My real complaint is its taken them nearly 8 weeks to come to this conclusion when really we should just have been dealing with TP insurers anyway but they seemed to be too keen on pushing us to put a claim in for personal injuries..i think as it was a motorway accident they expected a big claim...as they said 'how could you have NOT been injured':mad:

jinky67

http://uk.youtube.com/watch?v=fN4DHY_9gOs&feature=related
I am having a party in my pants

LouiseJ

TURTAL DISASTER!!!!!!!!!

Just went to open the bottle of wine I bought today which I had put in the wine rack and I noticed that wine was dripping out of the unopened bottle.

The cork must me damagad and the wine is off:eek:

I have had to make a cup of tea because I dont even have any coke to go with JD...............bluddyhell!!!!!

sammy115

ZTD wrote: »

The letter is not a conviction only an accusation. You're only convicted when you either accept it, or are convicted in a court.

Exactly! and as the OH drives around in a daze for most of the time he didn't even know he'd been zapped....

sallyx

they really are numptys Sammy...can you tell I have a thing against HSBC

11lbs still to loose...you will fade away

jinky67

LouiseJ wrote: »

TURTAL DISASTER!!!!!!!!!

Just went to open the bottle of wine I bought today which I had put in the wine rack and I noticed that wine was dripping out of the unopened bottle.

The cork must me damagad and the wine is off:eek:

I have had to make a cup of tea because I dont even have any coke to go with JD...............bluddyhell!!!!!

:eek: :eek: :eek: :eek: :eek: :eek: :eek:
http://uk.youtube.com/watch?v=um2Lxambevc

sallyx

LouiseJ wrote: »

TURTAL DISASTER!!!!!!!!!

Just went to open the bottle of wine I bought today which I had put in the wine rack and I noticed that wine was dripping out of the unopened bottle.

The cork must me damagad and the wine is off:eek:

I have had to make a cup of tea because I dont even have any coke to go with JD...............bluddyhell!!!!!

That is a complete disaster...

tigzem

RTA ~ is Road Traffic Act, normally they have to give you 7 days notice they are cancelling/voiding a policy and this is the time to allow you to arrange alternative insurance. But yeah as you said you don't need insurance! Doh. Been almost a year since I worked in insurance so am rusty.

That does seem a long time, and can't understand why they'd push for a PI claim as they wouldn't benefit from it? Bizarre.

How was you DH caught speeding? Was it on a camera, because if so, then you honestly didn't know anything was pending... did they find out from his licence?

Most proposal forms will ask the question ~ do you have any convictions or pending enquiries?