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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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just a query

 

my wife has just renewed her car insurance with elephant for this forecoming year.

 

we paid last year by credit card, which was ok

 

this year they gave us a price for renewing and said they would deduct this amount from our credit card once again.

 

we arent able to this this year. so decided to pay via direct debit every month.

 

when she called them and asked for this service, they informed her that it would cost a further £70 on top of the car insurance to pay this way.

 

are they allowed to do this. insurance quote was only about £260.00

 

your thoughts please

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You are basically borrowing the money from them, therefore they charge interest/monthly fee and yes they are allowed to do so. Under the circumstances it may be best to shop around and see if anyone else can offer the same or better cover and see how the monthly/overall amount compares to what Elephant are charging.

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Yes, it is standard practice for insurers to charge interest if you pay by monthly instalments. However, £70 on top of a £260 quote does seem rather high. Usually the interest is only about 10%, but it varies between different companies.

 

I've just had a look at the Elephant.co.uk website to try to find out exactly what their interest rate is. I couldn't find anything on there (all it says is that you can pay monthly, but not how much extra it costs), so then I tried to search on Google, but still no luck. Good grief, if they're going to be this secretive about it, I think I'd start getting suspicious!:lol:

 

However, I did come across a post on a message board where someone said that Elephant charges very high interest rates for monthly payments.

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Yes they can, I pay mine by direct debit and have just seen that Amber selct who pay my insurance for the year to the company that insures me charge a whooping 35%apr.

 

So next year when I renew, both me and Gaz are going to pay the whole thing in one go.

If what we say helps you, then please tip the scales.:cool:

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Yes they can, as previously stated you are effectively borrowing the premium from them and then paying them back in monthly instalments. However, £70 on a £260 premium does sound extortionate. (My maths isn't great but i work that out to be around 27%) I notice that elephant offer instalment protection cover so perhaps they are adding that to the premium which is bumping it up.

Either way they're sadly not doing anything underhanded so you can either pay by direct debit and pay the extra premium, or as has been suggested, shop around.

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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