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    • Hi dx It's with Step Change. Yes that is the balance outstanding plus interest.
    • Hi All, I don't want to keep asking unnecessary and daft questions but as I read up on on stuff to prepare my defence and tthink about my witness statement, I am perusing the following: The BPA Code of practice states under 13. Consideration and Grace Periods: 13.1 The driver must have the chance to consider the Terms and Conditions before entering into the ‘parking contract’ with you. If, having had that opportunity, the driver decides not to park but chooses to leave the car park, you must provide them with a reasonable consideration period to leave, before the driver can be bound by your parking contract. The amount of time in these instances will vary dependant on site size and type but it must be a minimum of 5 minutes. 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place.   Let's say a motorist spends a minimum of 5 minutes to decide, then decides to park, that 5 minutes now doesn't apply? That doesn't make sense to me. So now that a motorist has parked after consideration, thus commencing the parking period, the decision time doesn't apply and parking time commenced when? .... on entry to the car park? This, as far as I can see is not stated in the [Withdrawn] Government document which says: The Code also makes clear that the consideration period ends at the point when the driver has parked and is therefore considered to have accepted the terms and conditions, which could be within the five-minute allowance. Doesn't say anything about it not applying if a parking event takes place.   [Withdrawn] Private Parking Code of Practice: explanatory document – how was it developed and what will it change? - GOV.UK WWW.GOV.UK So, according to the BPA, if a motorist inadvertently overstayed by 12 minutes for example, they have the 10 minute grace period but because they decided to park, they don't have the 5 minute consideration period because they decided to park and have overstayed by 2 minutes? Sorry if there's something I'm missing here.  
    • there are several threads here already whereby the judge in such cases only made an order to pay the required sum, the registering of a criminal record is at their discretion or not. dx  
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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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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LV 14 day cooling off period


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Right i took out car insurance 2 days ago. I was told by LV that i had a cooling of period of 14 days. Ive cancelled the insurance today and been told there is a £35 cancellation charge, I tried to explan to the guy that i thought i had 14 days cooloing of period. but with no joy, i have 2 other car polices with LV and have had for 4 years, please advise

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Right i took out car insurance 2 days ago. I was told by LV that i had a cooling of period of 14 days. Ive cancelled the insurance today and been told there is a £35 cancellation charge, I tried to explan to the guy that i thought i had 14 days cooloing of period. but with no joy, i have 2 other car polices with LV and have had for 4 years, please advise

 

anyone got any advice???

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have you made a claim?

 

According to LV's policy booklet you should get a refund

 

Your cancellation rights

At policy commencement

You are legally entitled to cancel this insurance during a period of 14 days after

the day of purchase or the day on which you receive your insurance documents,

whichever is later.

If you do wish to cancel please return your insurance documents to us. We will

be unable to cancel if you do not return the certificate of motor insurance. A full

refund of the premium will be paid to you unless you have made a claim within

the 14 day period.

During the policy

If the cover has started and is beyond the 14 day statutory period, you will be

entitled to a refund of the premium paid less a deduction for the days that you

have been covered. This deduction will be calculated on a proportionate basis

and will include an additional charge to cover our administrative costs. These

charges will be subject to Insurance Premium Tax where applicable.

 

Most companyshave now changed their stance on the 14 day cooling off period, many now give 14 days OR until the day the policy starts ( so nobody can benefit from free cover)

 

I would call back and raise a complaint with a manager first, it seems that you SHOULD be entitled to a refund if you return your certificate of insurance ( may be worth doing this by recorded delivery - proof that it's being delievered)

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Ed - why have I "missed" the point??

 

lv's wording that I've taken from the policy booklet does not state that a cancellation fee is applicable within the cooling off period.

 

The OP is entitled to a FULL refund with NO cancellation fee as they have cancelled the policy 2 days after inception.

 

or - I'm I seriously missing something here?:)

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Ed - why have I "missed" the point??

 

lv's wording that I've taken from the policy booklet does not state that a cancellation fee is applicable within the cooling off period.

 

The OP is entitled to a FULL refund with NO cancellation fee as they have cancelled the policy 2 days after inception.

 

or - I'm I seriously missing something here?:)

 

Cheers guys, what shall i do, write and letter or ring them....?

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