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    • they cant 'take away' anything, what ever makes you believe that?  dx  
    • The text on the N1SDT Claim Form 1.The claim is for breaching the terms and conditions set on private land. 2. The defendant's vehicle, NumberPlate, was identified in the Leeds Bradford Airport Roadways on the 28/07/2023 in breach of the advertised terms and conditions; namely Stopping in a zone where stopping is prohibited 3.At all material times the Defendant was the registered keeper and/or driver. 4. The terms and conditions upon  entering private land were clearly displayed at the entrance and in prominent locations 5. The sign was the offer and the act of entering private land was the acceptance of the offer hereby entering into a contract by conduct. 6.The signs specifically detail the terms and conditions and the consequences of failure to comply,  namely a parking charge notice will be issued, and the Defendant has failed to settle the outstanding liability. 7.The claimant seeks the recovery of the parking charge notice, contractual costs and interest.   This is what I am thinking of for the wording of my defence The Defendant contends that the particulars of claim are vague and are generic in nature which fails to comply with CPR 16.4. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 1. Paragraph 1 is denied. It is denied that the Defendant ever entered into a contract to breach any terms and conditions of the stated private land. 2. Paragraph 2 and 4 are denied. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was only contracted to provide car park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. 3. It is admitted that Defendant is the recorded keeper of the vehicle. 4.  Paragraph 6 is denied the claimant has yet to evidence that their contract with the landowner supersedes  Leeds Bradford airport byelaws. Further it is denied that the Claimant’s signage is capable of creating a legally binding contract. 5. Paragraph 7 is denied, there are no contractual costs and interest cannot be accrued on a speculative charge.   I'm not sure whether point 4 is correct as I think this side road is not covered by byelaws? Any other suggestions/corrections would be appreciated.
    • Dear EVRi parcelnet LTD t/a evri   evri parcelnet isnt a thing also you say defendant's response which is a bit of a weird format.   Something like   Dear EVRi, Claim no xxxx In your defence you said you could not access tracking. Please see attached receipt and label Regards
    • Welcome to the Forum I have moved your topic to the appropriate forum  Residential and Commercial lettings/Freehold issues Please continue to post here.   Andy
    • Please provide advice on the following situation: I rented out my property to four students for 16 months until March 2024. Initially, the property was in very good condition, but now it needs extensive renovation. This includes redoing the bathroom, replacing the kitchen, removing wallpaper, and redecorating due to significant mould growth. The tenants also left their furniture on the grass, which is owned by the local authority. As a landlord, I've met all legal requirements. It seems the damage was caused by poor ventilation—windows were always closed, and heating wasn't used. There was also a bathroom leak fixed by reapplying silicone. I tried to claim insurance, but it was denied, citing tenant behaviour as the cause by looking at the photos, which isn't covered. The deposit barely covers the repair costs, or else I'll have to pursue money claims, which I've never done before and am unsure about its legal complications or costs. Any thoughts on this?
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Motor Insurance and the Ombudsman


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I have submitted a complaint to the FOS regarding cancelled motor insurance and the adjudicator seems completely biased towards the insurance company (Royal & SunAlliance).

 

The basic facts are that the company (Broker Network) which owns my broker (Wyndale) moved all its motor business to a branch in Scotland (Denny). When Denny wrote to me about renewal they initially tried to sell me a policy with their 'chosen insurance partner', Norwich Union. This on its own is in breach of FSA regulations (they HAVE to offer an alternative quote).

 

It looked like tyical junk mail, so I ignored it (mainly because I hadn't been told about the new broker and the fact that they were trying to move me away from R&SA, with whom I was quite happy).

 

Denny did write again but by this time I was convinced their letter was junk and ignored it once more. Denny got in touch with R&SA, cancelled my policy and, you might guess, about four months later my wife had an accident in my car.

 

R&SA refused to honour the policy, saying it had been cancelled. I had been paying by DD and had been previously assured by Wyndale that my policy, because it was being paid by DD, would be renewed without me having to do anything.

 

It took a few weeks sifting through all the paperwork but I eventually found the following printed in R&SA's terms and conditions (and they still form a part of them online):

 

"If you pay by direct debit we will renew the policy automatically and continue collecting premiums unless you notify us that you wish to cancel the policy." (my bold emphasis)

 

When I sent a copy of this to R&SA they contacted me, saying they would reinstate the policy. However, this was eleven weeks after the accident and I had had to make alternative arrangements for transport in order to work.

 

R&SA refused to reimburse my additional expenses, which I considered were incurred solely because they had not renewed the policy as indicated in their terms and conditions.

 

I decided to make a complaint to the FOS. This has taken almost 12 months to near completion. However, the assigned adjudicator is totally biased towards R&SA and, if I didn't know better, might expect such a response from R&SA's legal department, not a body which is supposed to be impartial.

 

Essentially, the adjudicator holds me responsible for the policy cancellation because I did not check my bank statements. The fact that I had been lulled into a false sense of security by indications from both Wyndale and R&SA (with promises of automatic renewal) and simply didn't see the need to check anything on my statement doesn't matter to her.

 

As a matter of further interest, a friend of mine had a similar experience about ten years ago when her policy hadn't been renewed automatically and she faced a charge of not producing valid documents when asked to by the police. The FOS found in her favour (even though she admitted ignoring the renewal letter)!

 

The adjudicator seems more interested in protecting insurance companies from claims which might increase premiums (she admits as much) rather than protecting me (a consumer) from their breach of their own terms and conditions.

 

I am preparing a formal complaint against the adjudicator. Does anyone have any comments they can make as to the best course of action? Or has anyone had similar experiences?

 

Chris

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Guest Old_andrew2018

I think you are doing the right thing, the adjudicator should be impartial and we as members of the public have a right to expect it.

I also expect FOS have a process to be followed when they investigate claims against any of their staff.

You could also write to your Member of Parliament, I am sure they will help after all they must be bored to tears during their 77 day recess.

I must add my post is in support of your action, although I have no experience of the process.

 

Regards

 

Andy

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Many thanks for your comments and encouragement, Andy and Jon.

 

I didn't realise courts could overturn FOS decisions. Can anybody quote examples and/or relevant website links?

 

I'm particularly interested in hearing from anyone who has had their policy reinstated or received compensation when an automtically renewable policy is cancelled by the insurers or broker.

 

Chris

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Courts all to frequently overturn so-called regulators decisions. You simply issue in the civil courts in much the same way that you do a money claim citing the evidence you have already supplied to the FSO

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I have taken 2 matters to the FOS for a buildings insurance claim.

 

Whilst clearly the FOS rulings have been in my favour, the Insurers are playing every possible game not to abide. The FOS are pretty powerless to enforce their own adjudication unless I wait about 9 months for a final decision.

 

In a nutshell, the FOS service sounds fantastic but in reality, it is pretty useless.

 

I suggest you might be better to issue proceedings against your Insurers. However, Courts tend to abide by FOS rulings so having gone through the FOS process, you might now find yourself in tough position in Court.

 

Take it from someone who is now litigating against an Insurer. Fortunately, the FOS rulings have been in our favour.

 

Good luck

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Thanks for the advice.

 

I do realise I may end up in court but I'm hoping a complaint (about the adjudicator) to someone higher up at the FOS will help. Basically, this woman went out of her way to attack every point I made, except those which she didn't have an answer for, which she completely ignored.

 

I suggested she was biased in my original post and acting more like R&SA's defence counsel. Someone else said she might even be an ex-R&SA employee. I wouldn't be surprised by that at all.

 

Just can't quite get my head round how I can be held responsible - in any way - for the insurer failing to renew what they stated (in B&W) would be automatically renewed - unless I cancelled.

 

There's no natural justice in that and I hope a real judge might see that as well...

 

Chris

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Have you thought of calling up the Adjudicator and having a chat with her.

 

This may help you put your concerns to her. I did so in my case.

 

Making a complaint about the Adjudicator I doubt will achieve much and may take another 6 months before you receive a reply. Trust me, the FOS procedure is very slow and tiresome. I strongly suggest you call her. You have nothing to lose by doing so!

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I'm only too well aware of the slow pace the FOS operates; probably the result of the workload imposed on them by our rip-off society. I'm also aware that any further complaint is going to take at least six months.

 

However, I have talked to the adjudicator and she just will not move. Her argument seems to be she is not there to award punitive damages against insurance companies because doing so might drive up premiums. That's a bit like a judge refusing to jail guilty offenders because it will add to the cost of the prison service and end up raising taxes!

 

The adjudicator's analysis of my case is SO one-sided I'm reasonably confident I can call her judgement into doubt. As an example, there was an eleven week delay between the accident and the insurance company finally agreeing to reinstate the policy. As the car wasn't roadworthy I had to make alternative transport arrangements, as I can't work without a car (self-employed photographer).

 

The adjudicator stated that eleven weeks isn't an unreasonable time for a claim to be settled and that, therefore, I wasn't entitled to any costs or compensation.

 

However, I'd taken the car (an X-Type) to a Jaguar dealer quite a few miles away because they had their own bodyshop and provided a free courtesy car. So, I'd probably have had my car repaired in a week and wouldn't have been without one at all. She just didn't take that possibility into account - period.

 

I think a formal complaint is the only way to go whilst I can still show she has been unreasonable. Any dialogue with her would just result in more excuses - and delays.

 

Chris

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Hi Lemon Twist

 

Denny certainly played their part, as did Wyndale, my original broker, who failed to tell me the motor business was being transferred (to Denny).

 

As a result, I treated the Denny letters as junk. This was aided by the fact that Denny's first letter simply invited me to go with 'their chosen motor insurance partner', Norwich Union. There was no mention of renewing the R&SA policy, which added to my belief it was junk. In fact, by not offering an alternative quote, Denny were in breach of FSA regulations.

 

I had the option of complaining about Denny or R&SA. I chose the latter because I couldn't see how they could get out of the fact that their terms & conditions included the bit about DD-paid policies being automatically renewed unless the policy holder cancelled.

 

The adjudicator can't seem to grasp this pretty basic, printed in black & white fact. At least, she's chosen not to grasp it...

 

Chris

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I am currently with the FSO in a complaint about R&SA, the FSO tell me they have a massive backlog at the moment and it may take some time to address my complaint.

They just don't seem to keen to take on complaints agaisnt the R&SA!!

Best of luck

Please remember our troops, fighting and dying in our name. God protect them.

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