consumer forums consumerforums Total Bank Charges Returned : £16595128 to 9717 people. The Consumer Forums  
Bank Charges Refunds Survey | 'Buddy' System | Get an email address | Site Map | Registration Problems | FAQ
CAG Products - We think that these will help you to make your claim or Reclaim your Right

These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit Small Claims Court Guide
**New Edition**
CallBurner - Skype
CallRecorder Review
Last Will & Testament Kit Fight a Motoring Ticket
 
Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here


UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki

N.B. Please note - due to postage costs these products are only available in the U.K.



Consumer Action Group envelope labels
You are part of a community of over 195,000 people.
Let your bank know that you won't give in.
Display one of our labels on your envelopes.
Full description here
Sheet of 20 self-adhesive envelope labels
£3.50 inc p&p





Reclaim the Right!
The Lawpack Small Claims Kit contains everything you need to get your bank charges refund. Sample forms, Instruction manual, template forms and an entire set of court forms in .PDF format on CDRom.

Just type in the details of your claim and print them out.


Reclaim the Right!


Sue your bank as often as you like with one Lawpack!!

With a Lawpack and Patricia Pearl’s book on Small Claims, you have everything you need to get your unfair bank charges refunded or assert other consumer rights.
(England & Wales only)

CAG Forum Users Price £11.99
(click image to buy)
Plus £1 P&P



Reclaim the Right!


New Edition
Small Claims Procedure by Judge Patricia Pearl
An excellent guide for the layperson
Not for use in Scotland
Read BF's Review Here




Stand up to Telephone Harassment

If you use Skype -
Record your phone calls with CallBurner
It's Hot!

Click below to download your
14 day trial copy
CallBurner
Skype CallRecorder download


Read the
Explanation and review here
£31.96 - includes 20% CAG discount
(normally £39.95)

We've managed to negotiate a discount for CAG Users on DIY 'Willpacks'


Click on the image to purchase a Wills kit - £12.99 + £1.00 pp

Remember...you can't take your reclaimed bank charges with you ;-)



Do your Internet search here



Reclaim the Right Ltd. - reg.05783665 in the UK
reg. office:- 923 Finchley Road London NW11 7PE
Do your Internet search here:-
Come and chat with us here (NB: External site NOT affiliated with CAG)

  CAG Announcements
 
Welcome Guest
Please register
Registration is free
There are no charges for using any of the facilities of this website.
If this is your first visit, be sure to check out the FAQ. You will have to register before you can post. To start viewing messages, select the forum that you want to visit from the selection below.
You will also have to register to access our template letters and claims forms
registration is free
Are you being threatened over debts more than 6 years old?
This may be unfair
See our new Unfair Trading Guide
Bought an extended warranty?
Not satisfied?
The warranty may be an example of unfair trading
See our new Unfair Trading Guide
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
Are you a victim of unfair trading?
Check it out
The Consumer Protection from Unfair Trading Regs 2008
Have you been defaulted?
Would you like to clean up your credit file?
Check it out
 
Bank Action Group Debt Action Group
 

Go Back   The Consumer Forums > The Consumer Forums
The Consumer Action Group
> Parking / Traffic Offences

Parking / Traffic Offences A forum to discuss the legalities or unlawfulness of parking/speeding tickets or congestions charges etc.


Welcome to The Consumer Action Group

and
The Bank Action Group


Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

Reply
 
LinkBack Thread Tools
Old 11th January 2008, 14:16   #1 (permalink)
dag0n
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 9
dag0n Novitiate
Default Police "7 day wonder"

On the 7th I was stopped on a random stop check by the police and because my bike flags up as not having insurance on thier systems i have to take my documents to the station (i am insured have all the docs).

However on the form they gave me it is dated 7/1/07...

Due to the error in the document does that make it void?
dag0n is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 14:22   #2 (permalink)
Gertie100
Classic Account Customer
 
Gertie100's Avatar
Default Re: Police "7 day wonder"

Why don't you ask them when you take in your docs?
Sorry - seems to be most obvious solution!!!!
Gertie100 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 14:23   #3 (permalink)
dag0n
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 9
dag0n Novitiate
Default Re: Police "7 day wonder"

Beacuse I cant find my counterpart of my licence and dont really want to fork out to get a replacement
dag0n is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 14:30   #4 (permalink)
jampot
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Mar 2007
Posts: 332
jampot Novitiate
Default Re: Police "7 day wonder"

I wouldn't risk it, but then I try to be a bit more careful with my documenation.
jampot is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 14:44   #5 (permalink)
Gertie100
Classic Account Customer
 
Gertie100's Avatar
Default Re: Police "7 day wonder"

Ahhh! Ummm, I had to produce my documents last year after an accident and I'm pretty sure that they only looked at my photo license, however I'm sure that someone more knowledgable than me will be able to confirm that!
(the reason I remember is because I have no idea where in the house it is, so went without it to see what would happen)
Gertie100 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 15:48   #6 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Police "7 day wonder"

Oh for heaven's sake.

You have been given a producer and the PC has made a minor and common error with the date that he issued it. If you don't produce and it goes to Court, the PC's statement will state they he issued it on the correct date (which is true) and if you try and argue the date on the piece of paper, the Slip Rule will apply that allows the Court to make minor corrections.

Take the docs down to the Police Station that you nominated and get them checked. Explain the lack of your paper counterpart - once they have your driver number, they can get a copy of your driver record anyway. They may give you an extension to obtain the paper counterpart if they really want to see it.

In any case, you will need to replace the paper counterpart. Temper the minimal cost with the thought that the PC, on finding no insurance listed, could have S.59 siezed the bike there and then; and left you to walk. Following which, you could recalim it from the pound after producing the valid insurance certificate and paying the recovery fee.
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 11th January 2008, 16:15   #7 (permalink)
Bernie_the_Bolt
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Sep 2007
Posts: 1,018
Bernie_the_Bolt Novitiate
Default Re: Police "7 day wonder"

Quote:
Originally Posted by patdavies View Post
the thought that the PC, on finding no insurance listed, could have S.59 siezed the bike there and then; and left you to walk. Following which, you could recalim it from the pound after producing the valid insurance certificate and paying the recovery fee.
It is for this reason that I have photocopies of my insurance certs with me whether I am on my bike or in my car. I just don't trust the technology!
Bernie_the_Bolt is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 12th January 2008, 15:12   #8 (permalink)
dag0n
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 9
dag0n Novitiate
Default Re: Police "7 day wonder"

I've found my counter part now so no need to try and ween out of it, as for seizing my motorbike when they stopped me i was no more than 200 yards from my house at 11pm, walking wouldnt have been an issue the thing that got me the most is I offered to go to my house to produce my certificate.
dag0n is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 11:28   #9 (permalink)
green_and_mean
Platinum Account Customer
 
green_and_mean's Avatar
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jul 2007
Posts: 2,351
green_and_mean Informativegreen_and_mean Informative
Default Re: Police "7 day wonder"

Quote:
Originally Posted by dag0n View Post
I've found my counter part now so no need to try and ween out of it, as for seizing my motorbike when they stopped me i was no more than 200 yards from my house at 11pm, walking wouldnt have been an issue the thing that got me the most is I offered to go to my house to produce my certificate.

I think the pound would have been a bit further to walk to the next day!
green_and_mean is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 11:42   #10 (permalink)
postggj
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 2,395
postggj Informativepostggj Informativepostggj Informativepostggj Informative
Default Re: Police "7 day wonder"

just a point
police are relying on there system for correct documentation
suppose you get stopped and even if you have the correct documentation, the police computer tells them you have no insurance. the car gets towed
do you have to pay recovery fee , storage fee etc
after all this is down to the police computer getting it wrong
postggj is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 14:09   #11 (permalink)
BADGER 69
Classic Account Customer
Default Re: Police "7 day wonder"

This is somewhat of the beam but here goes. I was talking to a friend and told him that I had seen on here reference to an motor accident in a private car park and the item said that it was no concern of the police and that it was a private matter.
My friend told me that he had had an accident in a Morrisons car park with a car driven by a woman who was causing an obstuction. She took the matter up with the police and it ended up in court. my friend was fined and given 5 penalty points for the accident and failing to notify the police . Does any one know if this is correct.
BADGER 69 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 14:36   #12 (permalink)
crash3903
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2007
Posts: 275
crash3903 Novitiate
Default Re: Police "7 day wonder"

Quote:
Originally Posted by BADGER 69 View Post
This is somewhat of the beam but here goes. I was talking to a friend and told him that I had seen on here reference to an motor accident in a private car park and the item said that it was no concern of the police and that it was a private matter.
My friend told me that he had had an accident in a Morrisons car park with a car driven by a woman who was causing an obstuction. She took the matter up with the police and it ended up in court. my friend was fined and given 5 penalty points for the accident and failing to notify the police . Does any one know if this is correct.
Yes it is - It is a common misconception that accidents in car parks are not reportable - They are.

Quote:
after all this is down to the police computer getting it wrong
Sorry to burst your bubble but it is DVLA that have the records wrong

If you were able to produce a valid certificate for the time you had the vehicle on the road then the storage should be borne by the Police but they may choose not to - Doubt it though

The legal requirement to produce your documents is done when the officer has requested them. The "producer" is merely a way of recording the request. He could have written it on the back of a fag packet and the request would still be lawful

So in essence you have 7 days from midnight that night to produce the documents requested. If you have no insurance then you will to have to suffer the consequences

HTH
crash3903 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 16:27   #13 (permalink)
21stcentury
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jan 2008
Posts: 104
21stcentury Novitiate
Default Re: Police "7 day wonder"

I have to disagree with the last post. The police computer ofter run up to 3months behind on insurance and tax. It is down to the systems in place. It might be that the bike was off the road and only put on recently hence why police have no records of insurance.

THe police computer also has problems tracking the insurance status of company vehicles.
21stcentury is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 16:37   #14 (permalink)
Helford
Basic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Jun 2007
Posts: 140
Helford Novitiate
Wink Re: Police "7 day wonder"

I have to disagree with the last post. Lol.

The 'Police Computer' is not the Police computer, but the Motor Insurer's Database run by the Motor Insurers Information Centre to whom all insurers contribute information and to which the Police have access. This system works in 'real' time and is instantaneous.

There are no 'issues' with Company owned vehicles being shown on this database, the only issue is that in many cases on fleet insurance and motor trade insurance policies the onus is on the POLICYHOLDER to update the information. Many policyholders do not appreciate this fact.

You can check to see that your vehicle is on the database at:-

ASKMID


H
Helford is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 13th January 2008, 16:58   #15 (permalink)
crash3903
Classic Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Dec 2007
Posts: 275
crash3903 Novitiate
Default Re: Police "7 day wonder"

Quote:
Originally Posted by Helford View Post
I have to disagree with the last post. Lol.

The 'Police Computer' is not the Police computer, but the Motor Insurer's Database run by the Motor Insurers Information Centre to whom all insurers contribute information and to which the Police have access. This system works in 'real' time and is instantaneous.

H
Sorry to have confused you - The vehicle records on PNC are retrieved from DVLA directly - The Insurance is, as you rightly say, taken from the MIB records

There is a lot of controversy over the accuracy of the records and I know Police Officers that will take the side of caution if the vehicle is shown as not having any insurance - Instead they will issue a producer like the OP got.
crash3903 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th January 2008, 00:49   #16 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Police "7 day wonder"

Quote:
Originally Posted by crash3903 View Post

Sorry to burst your bubble but it is DVLA that have the records wrong
The DVLA do not hold insurance records.

They have many failings, but this isn't one of them
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th January 2008, 00:54   #17 (permalink)
postggj
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2007
Posts: 2,395
postggj Informativepostggj Informativepostggj Informativepostggj Informative
Default Re: Police "7 day wonder"

if the police make an error and you are towed
who is responsable
postggj is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 14th January 2008, 10:38   #18 (permalink)
patdavies
Platinum Account Customer
 
Watch out, there are Claims Touts about!

Challenge your credit file?

Join Date: Aug 2006
Posts: 3,087
patdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informativepatdavies Highly informative
Default Re: Police "7 day wonder"

Quote:
Originally Posted by postggj View Post
if the police make an error and you are towed
who is responsable
How do the Police make an error?

You are not towed for no insurance, but for the PC's suspicion of no insurance.
patdavies is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in Technorati