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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

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Hastings Direct Car Insurance Cancellation Issues


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Hi,

 

I am CitizenS and have recently (today) joint CAG. I am writing for advice on how to deal with Hastings Direct. I originally had an insurance policy with M&S. The requote was @£404. I searched the web using various comparison websites and settled on Hastings based on the cashback I would get through Quidco.co.uk. Insurance cost @£434 with some better terms. Cash back £53.50. I paid for this on the 30.10.10. Phoned M&S and they gave me a cheaper quote i.e. @£369. This original quote was apparently an administration error. We agreed for this policy and phoned Hastings back to cancel immediately. This could not be done because it was not on their system (apparently it takes 24 hours for the system to be updated( obviously they have an amazing IT system)). I phoned the day after 31.10.10 and was advised that my money would be returned minus £25 administartion fee. While being shocked I was able to advise them that this was illegal. They denied this as this was in their on-line terms and conditions which i had signed up to:mad2:. About an hour later, having calmed down, I phoned again and advised them that this was illegal and contradicted the insurance documents which I had downloaded from the internet. In it it is stated that the full premium should be refunded if the policy is cancelled within 14 days of taking out the policy. They ( the complaints department) said that they or their manager could do nothing about this and that this was the charge. I have started writing letters to both companies i.e. Hastings Direct and M&S, with copies to my MP. How can I resolve this matter quickly?:|

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They can legally make the £25 cancellation charge. This has been challenged before.

 

If you are unhappy about this, give the FOS a call to check with them.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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If you want advice on your thread please PM me a link to your thread

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Many thanks unclebulgaria67 for your advice. However is this not contradictory to their paperwork? After all this is distance selling and the same 14 day rules apply. Bearing in mind the advice from this website, it would appear that the small claims court is the best route? What are your thoughts? By the way when people have challenged this before, what has been the outcome?

Citizen S

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I am also with Hastings and took out my policy online.

I can confirm that the administration fee of £25 does appear in the terms and conditions.

The FOS would expect you to try to resolve things by the usual 8 weeks timescale before taking it up.

In the same way a Court would want to see that pre action protocols have been followed.

I suggest writing to Hastings and asking them to provide a breakdown of the Admin fee which demonstrates it is a true reflection of the cost in cancelling.

Keep a copy and send recorded delivery.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Hi Martin3030,

 

Thanks for your post. I will follow your advice and write to them within 8 weeks and ask for a breakdown of the administration fee. The chess game begins..........

 

Citizen S

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The 8 weeks is their timescale for dealing-you are free to write straightaway.

I would also request a copy of their complaints procedure (as is a requirement if you are filing a complaint)

I did get a similar fee waived in the past by another well known car insurance firm,when I approached them in the same way.

If they cannot show this charge to be in proportion to their costs then it leaves the way open to challenge it as a penalty charge under Unfair Contract Terms.

Its incomprehensible to imagine they would want to go to Court over £25,but if this turns out to be the chosen route then you MUST demonstrate that you have exhausted dialogue with them to try and resolve it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Heres their CC licence details which show address for correspondence and a list of names from which to write to.

 

Application / Licence Details

 

 

 

 

Licence Number:0421597

Licence Status:Current

 

Current Applicant / Licensee:

 

Business NameCompany Registration Number Hastings Insurance Services Limited03116518

 

Categories:

 

Consumer credit Consumer hire Credit brokerage Credit reference agency Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

Hastings Bike Team Hastings Direct Hastings Essential Hastings Local Hastings Van insure insure commercial insurebasics insureblue insurepink Likewise Insurance People's Choice Renew Insurance

 

Trading Name(s) (Historic):

 

Agenda Insurance Services Hastings Insurance 1st Advantage Insurance Services Call 2000 Plus Call 2000 Plus Insurance Services Toyota Insurance 121 Auto Insurance Services Auto 121 Direct Ridesure Insurance Services Insurepink Student Finance Company 1066 Direct 1st Advantage Angel Insurance Services Halo Insurance Management Powerline Insurance Services Ridesure 121 Auto 250/500 Insurance Services Aardvark Insurance Management Agenda Help Insurance Services The Automobile Insurance Service Centre

 

Issued Date: 08-Jan-1997

Expiry Date: 16-Feb-2012

 

 

Legal Formation:

 

Body Corporate (incorporated inside UK)

Current Individuals that run the organisation:

 

NamePosition Adrian Parry Anthony Stephen Leppard Edward Martin FitzmauriceDirector John Castagno Neil Alan Utley Paul Bryan Pavey Richard Mark Brewster Timothy Andrew Ablett

 

Historic Individuals that run the organisation:

 

NamePosition Alison Sarah PickupCompany Director Augustine HatchOFFICER Christopher John HopperOFFICER Claire Louise DayOFFICER David Guy GundlachOFFICER David John TitteringtonOFFICER David PyeOFFICER George Leslie FeltonOFFICER Graham SeymourOFFICER Ian GodfreyOFFICER Ian Ronald Sutherland Jeremy Peter KendallOFFICER Masanobu KobayashiOFFICER Michael HawkerOFFICER Michael Hutton Michitoki YokaiOFFICER Nicholas Potts Peter BaretteOFFICER Peter ConnellOFFICER Phil KnightOFFICER Robert George McKibbinOFFICER Steven Terence Hunter Griffin Tetsuro OgataOFFICER Toru MorotaOFFICER Yoshiaki YamazakiOFFICER

 

Historic Organisations that run the organisation:

 

NameCompany Registration NumberPosition CuggyVictoria LouiseCompany Secretary

 

Current Address(es):

Address TypeAddress CorrespondenceConquest House, Collington Avenue, Bexhill On Sea, TN39 3LW Principal Place Of BusinessConquest House, Collington Avenue, Bexhill On Sea, East Sussex, TN39 3LW Registered OfficeConquest House, Collington Avenue, Bexhill-on-Sea, East Sussex, TN39 3LW

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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