Resolved Question

Returning clothes policy?

Hi. I recieved a top for Christmas which doesnt fit (it is from New look). I have had a look at the shp for the right size but they don't have it. I lookked fopr anm alternative but there was nothing that i liked. I have managed to get hold of the reciept but it was payed for on a card so the card holder would need to be present to get a refund. Unfortunally the card holder lives about 200 miles away. Am i able to get a refund in cash. I dont realy want store credit as they dont have anything that i like in the shop. Thanks for any help.

Best Answer - Chosen by Voters

My son works in New Look at the weekends

you won't get a refund unless the top was 'not of merchantable quality' eg it was faulty

if it doesn't fit,then it only entitles you to an exchange for something the same value
or more, if you pay the extra

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Other Answers (2)

• At this time of year this is normal. You have the receipt, just go in there and tell them the problem, you may get the money for it or store credit that can be used for anything, acessories, shoes etc. Fight your corner though.. and see what happens.

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• Your not actually entitled to anything but as a gesture of goodwill the store may give you a credit note.

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Resolved Question

Public liability insurance inbulgaria?

i manage holiday apartments in bulgaria and also provide services such as ski hire and lessons. the company is bulgarian registered
. i have a booking for a scout group and have been asked what public liability i have, after extensive research and also communicating with large insurance companies in sofia it seems it is simply not available so have none.
i would like this cover, is it possible to simply set up a uk company that could get this (is this possible) and contract it to the bulgarian company?
could the uk company own the bulgarian company?

Best Answer - Chosen by Voters

You are asking in the wrong place. you need to contact a UK insurance broker.

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No other answers.

Resolved Question

I'm looking for a home insurance for the flat I am renting.?

I tried to get quotes for a few companies online, but they all consider I want to ensure the whole building and not only my flat... Can you advise on a company which would insure my flat and contents, but not the 30 other flats in the building ?

Additional Details

More precisely, do I need to take building cover or only contents cover, as a tenant ?

2 weeks ago

Best Answer - Chosen by Voters

If you renting, you only need contents.

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Other Answers (5)

• I assume you are looking for contents insurance and not buildings insurance? You cannot get buildings insurance for a flat on it's own, this needs to be for the whole building and would normally be included in the service charge for the flat the management company imposes on you.
  
  For contents insurance there a myriad of options, try confused.com as a starting point.
  
  Incidentally as a tenant you are NOT required to get buildings insurance, that is your landlords responsibility.

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  17% 1 Vote
• I am with Age concern, maybe you are thinking of another Company, or maybe they only Insure older people, but I have £10,000 cover on contents only fo £5 per month. You would only need contents insurance anyway, not building also. Good luck.

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• it's called rental insurance. it should cost $12 a month all companies offer it and it should be very easy. go to farmers.com. aig.com travelers.com. amfam.com or whoever has your car insurance.

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• You can easily check your quotes in internet, for example here - homeinsurance.awardspace.us

  33% 2 Votes
• Walk into the nearest insurance brokers shop and ask them.

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Resolved Question

How do I change my surname on my national insurance card?

I need to change my surname on my national insurance card how do I do it?

Best Answer - Chosen by Voters

I got this exert from the HMRC website

If you get married, form a civil partnership or change your name for any other reason, you need to let HMRC know. You can do this by writing to:

HM Revenue & Customs
National Insurance Contributions Office
Benton Park View
Newcastle upon Tyne
NE98 1ZZ

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Resolved Question

My purse was lost or stolen last night ... had to cancel cards etc.?

I stupidly lost my purse last night, whether i misplaced it or it was stolen ... it doesn't really matter, basically it's gone.
The three most important things that I had in there were my student account card, my other account card and my drivers licence.
I'm going to drive to the place tomorrow and ask the pub and bar whether it was handed in (hoping for a miracle there really) but if it's not there, i'll need to do what?
Cancel the cards? What information do the banks need to know? Account number? Anything else?
And what about the drivers licence people? Something from my counterpart licence?
Thank you!
(the complete list of categories is not showing, it's going to have to go in a random one).

Best Answer - Chosen by Voters

Sorry to hear about it but you should have cancelled all the cards as soon as you found you'd lost the purse by ringing the emergency numbers.
You should also have reported it to the police immediately.

The police will give you details of what to do and how, but you shouldn't wait until you go back to the pub, thieves don't!

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Other Answers (2)

• Cancel the cards immediately, don't bother waiting to drive to the pub and and ask.
  
  Replacing your driving licence:
  http://www.direct.gov.uk/en/Motoring/Dri…

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• hi there,
  well firstly , you should report them stolen as fast as possible , i would recommend that you did it now ,as it could be being used already(hopefully not)
  On the back of the credit cards and on your bills it will have an emergency hotline number to phone.
  You will have to say that you have just realised they have gone to help your case . ie , better not to tell them you knew they were stolen a while ago..You hopefully should be fine on that one ,especially if you hold insurance, in case of theft)
  They will ask you on the hotline for your name adress and probably a few security questions that you told them when you took out the account , like your mums maiden name etc..
  
  For your driving licence , if you have your counterpart you will have nothing to worry about- they will know all about who you are from a simple number that they will ask you for...once i lost all my driving docs and had to tell them the date and place i passed my test, which was 30 years ago , so not quite so simple..
  Sad and horrible and big nuicance when we have these accidents or losses but i shouldnt worry much about it. thers not much you can do , except let them know what ive said soon as poss. Before you know it it`ll all be back with you.

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Resolved Question

How long does a claim for personal injury take?

I was involved in a traffic collision in Nov 08. The other party has admitted liability. How long do these cases normally take to settle. I have ongoing back trouble since the accident and my GP has said I will just have to manage the pain with meds. I can never seem to get a straight anawer from my solicitor.

Best Answer - Chosen by Asker

You can't get a straight answer from your lawyer....because there is not one.

The attorney has to order copies of all your medical bills/records. He can't say how long it will take to get that together. If it's one or two bills...it goes very quickly. If it's a lot....could easily take 6 months to get everything in.

Then the attorney has to review the information and submit it to the insurance company.

Once the insurance company gets the information...they review it. That could easily take up to 60 days.

If there is information mission from the settlement package....the insurance adjuster lets your lawyer know what they need.

The lawyer then gets that information and submits it to the insurance company.

Once all the information is in and both sides have reviewed the medical records....then negotiations begin.

In short....we can pull a number out of our ears and say "It should take 60 days" but that's complete garbage and a completely unreliable number.

Every claim is unique and has to be evaluated on its own merits.

There are just too many variables. No one can give you a solid number on how long it will take to resolve your claim.

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Other Answers (1)

• I have a friend whose personal injury (multiple fractures of left leg) case took no less than 7 years to get settled ! Whilst being less than impressed with many solicitors, they do not have a crystal ball.
  During the processing of the claim there is much correspondence back and forth and this can take a substantial length of time. In my friends case the opposing solicitor took over 8 months to reply to one set of questions [which resulted in a formal complaint being made to the Law Society about him]. Your solicitor has no control over then length of time his opposite number takes to reply to correspondence.

Resolved Question

If you claim something by insurance can you still cancel your policy ?

Best Answer - Chosen by Voters

after you file a claim on your policy. yes you can cancel your policy and get a refund on the premium based on the remaining period.

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Other Answers (6)

• Yes you can cancel your policy, but you may find that you have to pay the full premium for the year. Check the small print on your policy documents. Insurance is an Annual contract and if a claim has been made during the course of that policy then you may not get a refund for the remainder of the policy term - in which case it isn't worth cancelling until the term is up.

  25% 1 Vote
• Insurance pays for losses that occur while the policy is in force, so as long as you filed the claim during the coverage period the insurance company would be legally required to indemnify you. Whether or not that policy was still in force.

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• No. Once you claim you cannot cancel your policy. Also depend if Cooling period passed then you cannot cancel policy. Insurance compnay may refund if have not claim but all administrative expenses will be deducted.

  0% 0 Votes
• If your claim is during the coverage term, yes you can cancel at any time. However, they're not going to go out of their way to make a non-customer happy.

  25% 1 Vote
• If you are covered for a claim you can file the claim and cancel later if you want.

  0% 0 Votes
• if u dont pay ur premium on due date even after grace period than the policy is ultimately lapes

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