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    • it is NOT A FINE.....this is an extremely important point to understand no-one bar a magistrate in a magistrates criminal court can ever fine anyone for anything. Private Parking Tickets (speculative invoices) are NOT a criminal matter, merely a speculative contractual Civil matter hence they can only try a speculative monetary claim via the civil county court system (which is no more a legal powers matter than what any member of Joe Public can do). Until/unless they do raise a county court claim a CCJ and win, there are not ANY enforcement powers they can undertake other than using a DCA, whom are legally powerless and are not BAILIFFS. Penalty Charge Notices issued by local authorities etc were decriminalised years ago - meaning they no longer can progress a claim to the magistrates court to enforce, but go directly to legal enforcement via a real BAILIFF themselves. 10'000 of people waste £m's paying private parking companies because they think they are FINES...and the media do not help either. the more people read the above the less income this shark industry get. where your post said fine it now says charge .............. please fill out the Q&A ASAP. dx  
    • Well done on reading the other threads. If ECP haven't got the guts to do court then there is no reason to pay them. From other threads there is a 35-minute free stay after which you need to pay, with the signs hidden where no-one will read them.  Which probably explains why ECP threaten this & threaten that, but in the end daren't do court. As for your employer - well you can out yourself as the driver to ECP so the hamster bedding will arrive at yours.  Get your employer to do that using the e-mail address under Appeals and Transfer Of Liability.  
    • good you are getting there. Lloyds/TSb...i certainly would not be risking possible off-setting going on if a choice were there, but in all honestly thats obv too late now..., however..you might not never be in that situation so dont worry too much. regardless to being defaulted or not, if any debt that is not paid/used in 6yrs it becomes statute barred. you need to understand a couple of things like 'default' and 'default notice' a default is simply a recorded D in the calendar section/history of a debt, it does not really mean anything. might slightly hit your rating. the important thing here is a default notice , these are issued by the original creditor (OC) under the consumer credit act, it gives you 14 days to settle whatever they are asking, if you don't then they have the option to register a defaulted date on your credit file. that can make getting other credit more difficult. and hits your rating. once that happens, not matter what you do after that, paying it or not or not paid off or not, the whole account vanishes from your credit file on the DN's 6th b'day. though that might not necessarily mean the debt is not still owed - thats down to the SB date above. an OC very rarely does court and only the OWNER of a debt can instigate any court action (Attempted a CCJ) DCA's debt collection agencies - DCA's are NOT BAILIFFS they have ZERO legal powers on ANY debt - no matter what it's TYPE. an OC make pass a debt to a dca as their client to try and spoof people into paying through legal ignorance of the above statement. an OC may SELL on an old debt to a DCA/debt buyer (approx 10p=£1) and then claim their losses through tax write off and their business insurance, wiping their hands of the debt. the DCA then becomes the debt OWNER. since the late 70's dca's pull all kinds of 'stunts' through threat-o-grams to spoof a debtor into paying them the full value of the debt, when they bought if for a discounted sum (typically 10p=£1). you never pay a dca a penny! if read carefully, NONE of their letters nor those of any other 'trading names' they spoof themselves under making it seem it's going up some kind of legitimate legal 'chain' say WILL anything....just carefully worded letters with all kinds of threats of what could/might/poss happen with other such words as instruct forward pass... well my dog does not sit when instructed too...so... DCA's SOMETIMES will issue a court claim, but in all honesty its simply a speculative claim hoping mugs wet themselves and cough up...oh im going to court... BIG DEAL DCA - show me the enforceable paperwork signed by me...9/10 they dont have it and if your defence is conducted properly, most run away from you . however before they do all that they now have to send a letter of claim, cause the courts got fed up with them issuing +750'000PA speculative claims and jamming up the legal system. so bottom line is two conclusions.... if you cant pay a debt, get a DN issued ASAP (stop paying it!) make sure it gets registered on your file then it stops hurting your file/future credit in 6yrs regardless to what happens (bar of course a later DCA CCJ - fat chance mind!)  once you've a registered DN , then look into restarting payments if the debt is still owed by the OC, if SOLD to a DCA, don't pay - see if they issue a letter of claim (then comeback here!).        
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
    • Any update here?  I ask as we have someone new being hassled for parking at this site.
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Tesco trolley hit my car - car ins is with Tesco's


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I have also started this thread in General - not sure which was best place to put it.

 

 

Can anyone give me advice?

 

My car was hit by a Tesco Trolley on the weekend. It has a huge dent.

Noticed that all the trolley bays were overflowing and there were clumps of trolleys situated all over the car park and not a Trolley person to be seen.

 

Off I went into the store and asked for the Manager. He came out inspected my car took me back in store and took my details. Then along came a stuck up *$"& and told me Tesco do not accept liability. I said I would fight hard to try and get them to accept liability (this would cost me £150 plus two years no claims) she then said scaristically "Best of Luck".

 

My arguement with the store is that there were trolleys all over the car park and there was no trolley person there. She told me that he was probably around the side of the building. One trolley person at a Tesco Extra on a Friday teatime. They are having a laugh! I videoed and took photos of the car park and trolleys.

 

Mt car insurance is with Tesco so I put in a claim Friday evening and was told that it is very unlikely that Tesco Insurance will support my claim as there is no negilance on the supermaket.

 

Can this be right, I have proof that the trolleys had not been collected and Im sure they have CCTV footage of what happened. Has anyone ever claimed against a supermarket and won? Do you think it is worth going it alone without the support of the insurance company? Are Tesco insurance only saying that they will probably not support me because it is Tesco Supermarket I want to sue.

Is it worth trying to get the CCTV footage - find the driver and sue him/her or is that a bit far fetched?

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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I'm not sure where you would stand legally as many car parks have disclaimer notices to say they won't accept liability for any damage to your vehicle etc so you are basically parking there at your own risk.

 

Another thing to add is that you state your car has a "huge dent" - if this is the case then to me that would suggest the damage was caused by something more substantial than a single stray trolley hitting your car - it would hav either been a trolley full of shopping which somebody has bumped into your car, or even that another vehicle has hit your car. (I may be wrong but I just don't think an empty trolley would cause a "huge dent").

 

I assume you did not see the incident? If so, what makes you so sure it was a trolley. Please provide as much detail as possible so we can assist.

 

I have closed the duplicate thread you made elsewhere - please stick to one thread.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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As far as I am aware notices that state no liability are not worth the paper (or whatever) they are printed on!! The supermarket have a responsibility to ensure that they look after their customers. It is the same with signs at dry cleaners saying they will accept no liability for damage how so ever caused. If you can show negligence then you have a case against them, the sign will not hold up in court!

 

At the same time you would have to show that they were negligent in not looking after their trolleys. While I agree it is unlikely that one trolley would cause the damage you speak of possible several together could do so.

 

You mention you would like to try and find the driver which one?

 

Were there any witnesses? Have you taken photos of the damage?

 

 

Woolfie?

Advice & opinions given by Woolfie are my own, and are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thanks for your quick reply Barracad, I know it was a trolley that hit the car as it was still against it when I returned. The only explanation for the size of the dent is that it must have hit on impact and quite a speed. On Friday evening it was extremely windy and the car park is slightly sloped (only slightly). As I approached the car from the distance it looked like the trolley was in the next parking space but as I got closer I realised it was right up against it. I had parked towards the back of the car park like I always to do. I try and park away from other cars so that my car is not in a position where other car doors or trolleys scratch against it. Dont get me wrong I dont own a flash car it is only a KA but I have looked after it and I don't want it damaged. i have consideration for other peoples cars but not all people are like me. Therefore I know it was a Trolley. It is a person (not a driver sorry bookworm) that left the trolley there and I am just angry that Tesco have not got adequate staff on shift to tackle the problem.

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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You are right with regards to the disclaimers being pointless.

 

First of all, you say the trolly park was overflowing... The trolley that hit your car, did that come from a trolley park?

 

If yes, did the trolley park have these "speed bumps" at the entrance to it?

 

I feel that if the answer to the first question is yes, but the 2nd is no, then you should have a case against Tesco.

 

If the trolley did not come from a trolley park, but was left by a customer, then I feel that you dont really have a case from Tesco, as they were not negligent. They do not have a legal requirement to put these trolley parks in the car park. They put them there for shoppers convenience. However, if it was there then they do have to put safeguards down that they dont damage vehicles - eg the speedbumps.

 

As for chasing the person who left the shopping trolley there, If it was not left in a trolley bay then you do have a case. However, you would really only get youtr money back if the person had Contents Insurance, & it would take a lot of time trying to find the owner of the trolley, etc.

 

Hope this helps

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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thanks for all your replys.

 

The latest is that we have found someone to do the body work who is reasonable and we have decided to not claim through our insurance. However I will be seeking reimbursement from Tesco Supermarket as my insurers have said they probably would have supported us if I had photographic and cctv footage. Therefore I will be writing to Tesco with the evidence I have and requesting footage if any. It is worth a try.

Halifax Data Protection Act requested 5/4/06

Prelim letter sent 5/5/06 for £2299.00

£219.00 offer 20/5/06

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclays prelim letter sent 5/5/06 for £150

LBA sent 22/5/06

Moneyclaim filed 5/6/06:) Settled in full

 

Barclaycard 1 prelim letter sent 5/5/06 for £100

LBA sent 22/5/06

£50 rec'd back

Last request for remainder 5/6/06 :)Settled in full

 

Barclaycard 2 prelim letter sent 5/5/06 for £160

LBA sent 22/5/06

Last ditch attempt letter sent 5/6/06 :)Settled in full

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Share on other sites

I suppose contributory negligence, but they could argue that there is a big place for the trolleys to go at the front of the supermarket...

 

Then probably settle out of court!

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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