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    • Regarding a driver, that HAS paid for parking but input an incorrect Vehicle Registration Number.   This is an easy mistake to make, especially if a driver has access to more than one vehicle. First of all, upon receiving an NTK/PCN it is important to check that the Notice fully complies with PoFA 2012 Schedule 4 before deciding how to respond of course. The general advice is NOT to appeal to the Private Parking Company as, for example, you may identify yourself as driver and in certain circumstances that could harm your defence at a later stage. However, after following a recent thread on this subject, I have come to the conclusion that, in the case of inputting an incorrect Vehicle Registration Number, which is covered by “de minimis” it may actually HARM your defence at a later stage if you have not appealed to the PPC at the first appeal stage and explained that you DID pay for parking and CAN provide proof of parking, it was just that an incorrect VRN was input in error. Now, we all know that the BPA Code of Practice are guidelines from one bunch of charlatans for another bunch of charlatans to follow, but my thoughts are that there could be problems in court if a judge decides that a motorist has not followed these guidelines and has not made an appeal at the first appeal stage, therefore attempting to resolve the situation before it reaches court. From BPA Code of Practice: Section 17:  Keying Errors B) Major Keying Errors Examples of a major keying error could include: • Motorist entered their spouse’s car registration • Motorist entered something completely unrelated to their registration • Motorist made multiple keying errors (beyond one character being entered incorrectly) • Motorist has only entered a small part of their VRM, for example the first three digits In these instances we would expect that such errors are dealt with appropriately at the first appeal stage, especially if it can be proven that the motorist has paid for the parking event or that the motorist attempted to enter their VRM or were a legitimate user of the car park (eg a hospital patient or a patron of a restaurant). It is appreciated that in issuing a PCN in these instances, the operator will have incurred charges including but not limited to the DVLA fee and other processing costs therefore we believe that it is reasonable to seek to recover some of these costs by making a modest charge to the motorist of no more than £20 for a 14-day period from when the keying error was identified before reverting to the charge amount at the point of appeal. Now, we know that the "modest charge" is unenforceable in law, however, it would be up to the individual if they wanted to pay and make the problem go away or in fact if they wanted to contest the issue in court. If the motorist DOES appeal to the PPC explaining the error and the PPC rejects the appeal and the appeal fails, the motorist can use that in his favour at court.   Defence: "I entered the wrong VRN by mistake Judge, I explained this and I also submitted proof of payment for the relevant parking period in my appeal but the PPC wouldn't accept that"   If the motorist DOES NOT appeal to the PPC in the first instance the judge may well use that as a reason to dismiss the case in the claimant's favour because they may decide that they had the opportunity to resolve the matter at a much earlier stage in the proceedings. It is my humble opinion that a motorist, having paid and having proof of payment but entering the wrong VRN, should make an appeal at the first appeal stage in order to prevent problems at a later stage. In this instance, I think there is nothing to be gained by concealing the identity of the driver, especially if at a later stage, perhaps in court, it is said: “I (the driver) entered the wrong VRN.” Whether you agree or not, it is up to the individual to decide …. but worth thinking about. Any feedback, especially if you can prove to the contrary, gratefully received.
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    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx  
    • Well tbh that’s good news and something she can find out for herself.  She has no intention of peace.  I’m going to ask the thread stays open a little longer.   It seems she had not learned that I am just not the one!!!!  plus I have received new medical info from my vet today.   To remain within agreement, I need to generally ask for advice re:  If new medical information for the pup became apparent now - post agreement signing, that added proof a second genetic disease (tested for in those initial tests in the first case but relayed incorrectly to me then ), does it give me grounds for asking a court to unseal the deed so I can pursue this new info….. if she persists in being a pain ? If generally speaking, a first case was a cardiac issue that can be argued as both genetic and congenital until a genetic test is done and then a second absolute genetic only disease was then discovered, is that deemed a new case or grounds for unsealing? Make sense ?   This disease is only ever genetic!!!!   Rather more damning and indisputable proof of genetic disease breeding with no screening yk prevent.   The vet report showing this was uploaded in the original N1 pack.   Somehow rekeyed as normal when I was called with the results.   A vet visit today shows they were not normal and every symptom he has had reported in all reports uploaded from day one are related to the disease. 
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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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Accused of 'fronting'


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Hi, I wonder if anyone can give any advice.

I have recently informed my insurer of an incident whereby my son drove into the back of another vehicle at a roundabout. The speed was slow (edging forward only) and relatively minor damage to the other vehicle. Upon speaking to the insurer they have informed me that because the V5 was in my sons name and the policy lists me as main driver that the insurance policy may be void.

Bit of background history-

My son bought a car on HP but only ever made two payments and I have paid ever since (for approx 2 years). He hardly uses the car as he has a lift to work and uses the car once in a blue moon. I am the main driver and insured the car as so. Reason for not updating the V5 was because I (stupidly) thought that because the car is still being paid off on HP that I couldnt. I know this sounds really niave but it is a genuine mistake. Do I have a leg to stand on when it comes to trying to fight this if the policy is made void. Son is the registered keeper (according to V5) but it does say on there that the registered keeper is not necessarily the legal owner. If I am paying for the car now and I also pay the insurance and am the main driver/user can I legally argue that I am the 'owner'

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Usually insurers ask on the proposal 'Are you the registered keeper and owner of the vehicle', if they asked that and you replied 'Yes' then it does look like a case of fronting.

 

(It is worth remebering that the registered keeper isn't necessarily the owner which is why the question is phrased as above)

 

Can you remember if you were asked that, and also what you replied?

 

Mossy

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is the policy also benefitting from any NCD? as this is what the insurers will be looking at, V5 in sons name, who pays for the policy,if DD whos account is it,Main user etc. Policy taken out online or phone?

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I honestly cannot remember if they asked this question or not but I wouldnt have lied to them so I'm guessing not? I've had the policy over two years now and it's always been in my name as I really AM the main driver. The policy is paid for in monthly instalments and is paid by direct debit from my own account (account is in my name only as well).

Yes it benefits from my NCD as I was insured on a different car prior to this one (and I no longer own the other car and nor did I own it when I started to drive this one)

I feel physically sick..... How does one defend the 'assumption' of fronting when it genuinely isnt :sad:

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Hi there. You don't have a copy of what you said, I guess. There is a question earlier about whether you bought online or over the phone, which would be the basis of this policy.

 

I don't know if you can find or ask for a copy of your original answers?

 

HB

Illegitimi non carborundum

 

 

 

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Does seem a difficult one, as they would have a copy of the original conversation and if anything was incorect as in document, they will probably use that.

 

Hi honey bee thats quick :) Yep good idea to ask for copy of what said

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Thanks guys

just checked my policy and it says I am the registered owner and keeper :eek:

 

And that's the problem.

 

You were asked at the proposal stage if you were the registered keeper and owner (just about every single motor insurer asks that) and you answered that you were, and on that basis the insurer accepted the risk and calculated a premium.

 

Insurance is based on utmost good faith, which isn't present here, you told them something that was incorrect, and fronting is something insurers will not accept.

 

They hold all the cards now, any complaint to FOS would be dismissed, your only option is to contact them and ask them if they will consider dealing with it and explain it was a genuine mistake. If they decide to void the policy (which is quite likely) then you don't really have an argument or anywhere else to go to/complain to.

 

Mossy

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Certainly all points to a fronted policy, HP in sons name and he is the registered owner.

 

Might need to go a bit deeper to defend your position. For instance do you commute to work in it and have a parking permit for work?

 

At the end of the day it will be down to the discretion of the insurer, but other peoples dishonesty has made them pretty firm on their stance over this.

 

Good luck with it, but get it sorted for the future in case of a more serious incident.

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