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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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RAC Car Warranty


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Hi,

Hope someone out there can help. We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250. Since then we have had various repairs done on her our cost not a problem. However we have since found out that the car needs a new fuel tank due to the swirlpot being broken (I nearly said something else then) this is going to cost £437 + vat to replace. When we rang the RAC they said not their problem if it is not listed in the warranty then it is not covered. We have found that in fact the warranty is literally not worth the paper it is printed on with regards to what it covers.

My question is can we pursue the RAC more fervently because it doesn't list it in the warranty as not being covered. It lists everything else.

Regards:???:

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

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Warranties generally aren't worth the paper they're printed on. A large company like RAC might bend if you complain strongly enough.

Just the FAQ’s ma'am. Please read 'em thoroughly before jumping in. Cheers :)

 

Find all the letters under the rainbow here

 

Being a man, I am always right (however I will make no admission of liability if you have misinterpreted my instructions!! :) ) If you are in any doubt, then consult a professional. All opinions offered on this site are just that, and should not be taken as legal advice.

 

Halifax - £1400 reclaimed. Now on a crusade to help others!

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The warranty is probably provided by the finance company but branded or underwritten by RAC.

 

Do you have a link to an online version of the policy book by any chance? If so I'll have a look and see what the warranty is worth.

 

Is the £250 an annual premium or does it cover you for more than a year?

 

Was there any warranty provided by the seller? If so, how long?

 

OC

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Hi.,

 

The warranty was for a 12 month period only.

 

It was to replace a warranty given by the garage we bought her from as they are 120 mile round trip.

 

There may be a copy of it on the website, I have never looked.

 

Thanks for your post.

Mamma Caz :p

 

"Round 'em up, put 'em in a field and Bomb the B******ds"

 

Particularised Claim 05/10/06

AQ filed 14/09/06

Defenced filed 05/09/06

MCOL served by 05/08/06

Thanks but only if you pay it all let 17/07/06

Offer let received 12/07/06

Letter before Action 04/07/2006

Barclays - Letter of Intent 16/06/2006

 

Classic Confidence Settled 13/10/06

Classic Confidence LBA 18/09/06

Classic Confidence 1st claim let sent 30/08/06

Classic Confidence - Data Protection Act let 03/08/06

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I had an RAC 5 * gold warrantly, really worthless, paid £300 for it, and might as well flushed the money straight down the loo...

 

I had a Ball Joint develop Play (RAC said Wear and Tear) a Power Steering Rack that developed a leak (Wear and tear again) and a Rocker Cover Gasket leak (Not listed in warranty)

 

It was a 528 BMW, total cost of repair £1700, RAC would only eventually pay part after I threatened with court and then it was £515 as that was what they said the parts should cost!... the steering rack alone from BMW was £797 plus vat, I wanted the car back to what it was, it was a BMW rack before, then it should be one going in.

 

In the end gave up and took the £515 and paid the rest... hurt though...!

Brad

 

Support Consumer Action Group, tell your friends, family, spread the word, help each other, and together we can show the banks we are no longer going to roll over and play dead.

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  • 1 year later...

The warranty will be provided by Motorway Direct - see the thread here -

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/37016-rac-extended-warranty.html

 

RAC Warranty is a trading style of the Motorway Direct PLC group of companies.

 

MOTORWAY DIRECT PLC

WARRANTY HOUSE

SAVILE STREET EAST

SHEFFIELD

SOUTH YORKSHIRE S4 7UQ

 

I have had some success in getting them to meet their obligations, but it is like getting blood from a stone. You have to knock down their objections one at a time - I think they hope you will go away. I am at the recorded letter stage in my dealing with them this time and have the support of my garage who are amazed at the treatment I am receiving.

 

I note that the RAC seem to have stopped using them. I have been offered a renewal under the "AA Warranty" brand. I am guessing the RAC got worried about negative publicity. They have gone downhill big time since being taken over.

 

Needless to say I will not be renewing. They will try all ways to wheedle out of their obligations. Each time they have made me pay the garage and reclaim, and have never reimbursed the full amount, leaving me out of pocket. If you see a document mentioning "Motorway Direct" from Sheffied - do not touch it.

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I've got a court date in about 4 weeks with an after market warranty company, Warranty Direct, because they refused my fully valid claim on 3 different occasions for 3 different reasons!

 

The last reason was the all inclusive get out clause 'wear and tear,' but they were unaware at the time of making this excuse that the problem with the car was the same problem I had had just 7 months earlier and had all parts replaced brand new!!

 

This just proves, beyond doubt, that these companies use any excuse to not pay out however valid a claim is. It is just robbery.

 

The only good one I've heard of is the AA's which costs just £65. All the rest are just a waste of time.

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I've got a court date in about 4 weeks with an after market warranty company, Warranty Direct, because they refused my fully valid claim on 3 different occasions for 3 different reasons!

 

The last reason was the all inclusive get out clause 'wear and tear,' but they were unaware at the time of making this excuse that the problem with the car was the same problem I had had just 7 months earlier and had all parts replaced brand new!!

 

This just proves, beyond doubt, that these companies use any excuse to not pay out however valid a claim is. It is just robbery.

 

The only good one I've heard of is the AA's which costs just £65. All the rest are just a waste of time.

 

 

Be careful - I have just been offered a renewal of the RAC Warranty that I am having trouble with - Provided now by (You've guessed it) Motorway Direct. The warranty was initially sold as Warranty Direct who I believe went bust.

 

Check whether your policy is a badged product from Motorway Direct, Warranty House. Sheffield. I'm not certain but I think it is all the same company.

 

Good luck with the case. I'll be interested to hear how it goes. They tried the "Wear and Tear" thing with me until I pointed out it was replaced 15000 miles ago with the manufacturers own parts so couldn't be "wear and tear".

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Be careful - I have just been offered a renewal of the RAC Warranty that I am having trouble with - Provided now by (You've guessed it) Motorway Direct. The warranty was initially sold as Warranty Direct who I believe went bust.

 

Check whether your policy is a badged product from Motorway Direct, Warranty House. Sheffield. I'm not certain but I think it is all the same company.

 

Good luck with the case. I'll be interested to hear how it goes. They tried the "Wear and Tear" thing with me until I pointed out it was replaced 15000 miles ago with the manufacturers own parts so couldn't be "wear and tear".

 

Thanks for that.

Warranty Direct are based in Reading but I'm sueing the underwriters.

 

I'll post up the result of the hearing in a month or so.

 

It amazed me when they used the wear and tear clause when the parts were almost brand new! Bunch of clowns.

 

But it is true what everybody says-they will try anything to not pay but I've caught them red handed.

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  • 10 months later...

I’ve just tried to contact RAC Warranty using the tel numbers from the letter confirming my cover March 08. Not one of the numbers are live, claims line, customer service, H/O all dead numbers – Not to be beaten went on line and guess what? ‘page not found’

And, last week the cheeky sods tried to get me to renew, there and then, with fairly high pressure tactics – the sales guy couldn’t confirm if a the local Jag dealer or a local specialist were on his approved list if I needed to make a claim – when I asked him to go off and check he got shirty and asked ME to call RAC customer services and ask. When I told him where to go on that one, he agreed to go and find out himself and call me back – he didn’t.

Waste of money in my opinion!

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Hi,

We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250.

 

The warranty was for a 12 month period only.

 

Forgive me if I am mistaken, but surely the warranty would have expired by now?

 

 

MOTORWAY DIRECT PLC

WARRANTY HOUSE

SAVILE STREET EAST

SHEFFIELD

SOUTH YORKSHIRE S4 7UQ

 

I note that the RAC seem to have stopped using them. I have been offered a renewal under the "AA Warranty" brand. I am guessing the RAC got worried about negative publicity. They have gone downhill big time since being taken over.

 

Actually, my understanding is that it was the other way round - when theywere awarded the AA Warranty franchise a couple of years ago. The name RAC Warranty is now licenced to a separate company called The Warranty Group.

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no the car was still in warranty when the original post was made! This is from June 2006. A very old post

Edited by Yellow160
wrong month

The views expressed on this website are mine alone and don't reflect the views of my employer!

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  • 5 months later...
  • 4 months later...

It is very interesting reading all the comments about the RAC Warranties and the complaints that have been made. All these complaints about unpaid claims go back prior to December 2007. Which was when the RAC changed suppliers of warranty services and underwriting.

 

Approximately 12 months prior to this date RAC and Motorway Direct who was the Administrator and underwriter parted company. The RAC were without a Warranty supplier for approximately 12 months.

 

All the complaints that we are reading about here are from warranties supplied by Motorway Direct.

 

Weird Al Yankovic states the only one worth having is the AA! Guess what!! who do you think supplies the AA! Correct! Motorway Direct.

 

Furthermore has any one noticed that there has not been any complaints about the current RAC Warranty Administrator/Underwriter The Warranty Group?

 

The only one is that the Car shop tried to sell them an RAC Warranty, well that is their job, although pressure selling is not a good thing you should be allowed to think about it!

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  • 1 month later...
Hi,

Hope someone out there can help. We purchased a Vectra in December 2005 and bought with it a RAC Warranty at an extra cost of £250. Since then we have had various repairs done on her our cost not a problem. However we have since found out that the car needs a new fuel tank due to the swirlpot being broken (I nearly said something else then) this is going to cost £437 + vat to replace. When we rang the RAC they said not their problem if it is not listed in the warranty then it is not covered. We have found that in fact the warranty is literally not worth the paper it is printed on with regards to what it covers.

My question is can we pursue the RAC more fervently because it doesn't list it in the warranty as not being covered. It lists everything else.

Regards:???:

 

I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

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I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

 

Then it sounds to me like people are being 'mis-sold' RAC Warranties.

You have the right to food money.

If you don't mind a little investigation, humiliation, and if you cross your fingers rehabilitation..............

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I actually administrate the RAC warranties, and by the sounds of it, you didnt pick the highest level of cover, you perhaps have a Gold or lesser cover, with gold or lesser policies, you are only covered for what ever is listed in the policy booklet, if its in black and white, its covered, if not, the unfortunatly its not covered.

 

People always say its not worth the paper its written on...course it is, it just so happens you dont have the full level of cover due to either the age/mileage of the vehicle or the level of cover you have chosen yourself.

 

So why is it that at lease 50% of claims are dismissed as wear and tear, and I'm not talking about brake pads and exhaust, but broken bearings etc; on low mileage cars?

 

They are a cheap and generally useless get out for dealers who 'sell' them knowing the buyers will forget about the soga.

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  • 2 weeks later...
So why is it that at lease 50% of claims are dismissed as wear and tear, and I'm not talking about brake pads and exhaust, but broken bearings etc; on low mileage cars?

 

They are a cheap and generally useless get out for dealers who 'sell' them knowing the buyers will forget about the soga.

 

Cuz if you're in the know.. a noisy bearing isnt a failed bearing, its actually worn, it doesnt matter on the mileage, if its noisy, singing, howling...its worn, wear and tear isnt covered by the warranty.

 

If the bearing suddenly collapsed (sudden and unforseen failure is what your warrantry protects you against) it would be covered.

 

You obviously havent read the t+c's :cool:

 

People always think that cuz they have a warranty, its covered. Dont forget it depends on the level of cover you have.

 

We get feedback once a month, and we actually pay out 80% of claims, so im guessing the 50% of wear and tear is 50% of the 20% of claims that are rejected. If its a valid claim we will pay, if not, we wont...simple;)

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Cuz if you're in the know.. a noisy bearing isnt a failed bearing, its actually worn, it doesnt matter on the mileage, if its noisy, singing, howling...its worn, wear and tear isnt covered by the warranty.

 

If the bearing suddenly collapsed (sudden and unforseen failure is what your warrantry protects you against) it would be covered.

 

You obviously havent read the t+c's :cool:

 

People always think that cuz they have a warranty, its covered. Dont forget it depends on the level of cover you have.

 

We get feedback once a month, and we actually pay out 80% of claims, so im guessing the 50% of wear and tear is 50% of the 20% of claims that are rejected. If its a valid claim we will pay, if not, we wont...simple;)

 

Is a degree in Mechanical engineering and 40 years in the business enough in the 'know' ???

 

This isn't just about insurance issued with an RAC badge on it, it is about all these so called warranties.

 

I have personally challenged the 'so-called' inspectors that turn up on a number of occasions when they have put down 'wear and tear', and all of my challenges were successfull, which I put down to the letters after my name and them not being able to fob me off.

 

As you brought up bearings (and mileage does count), have a read of this post and the warranty companies denial of liability.

 

http://www.consumeractiongroup.co.uk/forum/garage-services/187794-gearbox-bearing-failure-warranty.html

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Sorry, you are wrong. A bearing that is grumbling at 10k is not worn, it has suffered 'premature failure'.

If it is a taper roller then there might be some adjustment otherwise it has failed and should be replaced under warranty.

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