Crouchie's Lawyer

Her new quote maybe cheaper than her renewal, however, how do you know it wouldnt have been even cheaper had she not been involved in the accident (even though it wasnt her fault)? Why do they need to know if it doesnt affect premiums? Shouldnt the question just be, 'Have you been involved in an accident in the last 5 years which for insurance purposes was deemed your fault and which your insurance company had to pay out for?' Would make more sense?

If you are a competative broker with reasonable prices then yes. However with the lead being sold to numerous brokers, if you are not the cheapest broker, then its essentially just toilet paper. The only people it is garunteed to make money for is Moneysupermarket.com or any other price comparrison site. A prime example being the above. TDD is not interested in speaking with these brokers, so the £30 or £40 or however much it is they have spunked on that lead is worthless. Is MSM.com has sold that lead onto 10 brokers, they have made a nice sum out of what is in affect, a cr*ppy lead. You get the odd few gems, but a lot of people who go to MSM.com, and fill in their details are doing so as they want to arrange things themselves, which is why they are not interested when a broker calls.

Why did it not work? When I click on the link it doesnt take me anywhere? Ill say entries to be in by 12.00, then we will ask teh mods to put it as a poll and the one with the most votes win's (in other words, I wont have a say which one is chosen)

With chips or with salad? Tonight: Was going to be confined to my room 'Austrian' Stylee watching TV & DVD's as teh Mrs has some mates coming around, but she is off work ill so dont think they are coming over now. Meaning, night in with teh Mrs infront of telebox. Probably watching the cook along, but not cookin Tomorrow: Checking levels in work van, possibly taking it through the magic room where your van goes in dirty and comes out clean! Pee'ing round on laptop, possible FM'age. Evening possibly over a mates for a few smokes, Wii/Xbox and Pizza. Sun: Nothing planned, so probably watch footeh on telebox while playing FM :smt102

Your surname is croucher? Crouchie!!!!! :smt042

Putting your details on Moneysupermarket.com is worse than leaving a message saying 'I will bugger you senseless, call (enter your number)' in the toilets of a gay club. Brokers for mortgages, loans, insurance all buy the leads from that site, and more often than not, the lead is sold to multiple companies, hence all the calls. Its not that the banks have moeny to lend (although since the injection of £god knows how much there maybe a little more money), basically what these firms have is a crude criteria for loans of a number of banks. Providing you fit the general criteria (you're breathing, you have 2 arms and 2 feet and can spell 'the') they will tell you to call x company as they can help. Essentially all they are doing is looking at the criteria for a loan and seeing if you fit and charging you for that priviledge. Although there is no garuntee the lender will actually accept you (they have to do a credit search etc) Best advice when these companies call you (and they will continue to call, a lot of them) is to be polite and explain you are not interested, moneysupermarket.com has just flogged your details without your consent to do so. Ask them nicely and I emphasise the point of being polite. If you tell them to f*ck off and do one, expect calls at 3am, pizza's and taxi's ordered to your address. I have seen what 'brokers' do when people are not polite, especially the pirate ones!

Mentally, yes. Im dining on the thought of that baguette for the next few days at least

hahahahahahahaha 3-0. IMO Steau Bucharest are better than Braga. Im sure the skates will say otherwise! Oh how AC Milan are going to bum pompey!

Surely if no claim was made and the insurance company was not contacted then they are pushing it a little? I would suggest speaking to the ombudsman? I believe the normal question that insurance companies ask is (and I think this is truely unfair) is 'have you been involved in an accident in the last 5 years whether it is your fault or not?' This is ludacris, as if someone went into the back of you and wrote your car off, and it was completely paid for by the other party, they will tell you it doesnt affect your premiums, but that is bull. Your premiums will be loaded. Any excuse for insurance companies to make extra money! I have never heard of a situation like this though. Im guessing they are saying it will remain on file until the child is 18 though due to potential future claims which said child may make? Im guessing on the back of these pirates which do the 'Have you had an accident in the last 74 years which was not your fault?' schemes. However, if no claim has been made then why it would affect your premiums I dont know. Best advice would be to speak to the ombusdman, to check the insurance company are within their rights to do what they are doing and speak to other insurance firms rather than apply online. You may find, smaller companies are willing to ignore this fact to gain your business so maybe try insurance brokers who personally underwrite the premiums? I would be surprised if anyone would be able to answer the question mainly due to the specifics of the case, its not something you come across daily, but I wish you and your daughter the best of luck resolving it!

Doesnt seem to be on tinternet? Surprising how there are no skates on this evening? Fair weather fans?

Hmm thats a good one. I can see both sides. Another thing coming as in, if you think a is gonna happen you have another thing coming ie b. Although with think... Another think is coming as in, whats coming is not what you expect, which will cause you to think again. I would personally say it makes more sense with thing rather than think but I can see it both ways.

Im pretty sure they microwave the bacon too. It tastes soooo good!

That in itself made me lol

MGMT's album. Actually quite good

You do have a good avatar!

I agree with St Landrew on this on. I think we should have a weekly avatar competition. Whoever the winner is at picking my avatar, gets the competition for them the following week. So for example, if MB wins, I chose his picture and then the next week, we all chose something for MB's avatar??? Thoughts?

That made me lol

No its, "d it like Beckhams willeh So do I, I have sat there for litterally hours watching it and I swear they get slightly closer each time!

Well by default your winning Pancake! Jilleh, I am not ben_the_legend no, however I am a legend and my name is Ben. Stevo, I dont know if people care as much as world peace or famine etc, but I would like to think effort will be applied. I will be marking them out of 10

So, the whole list is as follows in this order right? 1)Mong 2)Mongy 3)Mongish 4)Mongage 5)Mongchester United 6)Pancake 7)Mongerel 8)Mong Features 9)Mong Life 10)Mongchops 11)Maryln Mongson 12)Mongloid 13) Flid 14)Flidoid 15)Flidage 16)Flidfeatures 17)FlidFace 18)F00kingFlid 19)Smelly Flid 20)Fl1dd@!!!111One1!!! 21)Flidel Castro 22)Flidip Schoflid 23)Flidman 24)Jillsaint 25)CabbageFace Out of interest, what is before number 1?

Ok, I did say StLandrew should do this on another thread, but I feel its time to change the 'moving f*ck guys' avatar I have, so am opening this up to suggestions. The person who designs or finds the best avatar for me on this thread, by 5pm tomorrow wins, and I will have that avatar as my own. If it helps in any way, my real name is Ben

Flidip Schoflid!

Propper lolage from me. Can you define the 12 levels of Mong too please?

I was going to ask the same thing! Was it fun ripping the plaster off?

Dont get ya rat out Jilleh FFS!