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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.

      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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      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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No Claim Discount (Incorrect informations), is it fraud?


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hi, I urgently need your advice as i've got 2 days left : with experience please. I bought an insurance cover for my car 2 years ago, the policy docs was sent by email so I never checked it, then by the end of the 12 months contract, I was resent the written policy and a letter to say they will no longer be able to cover me due to a change of their conditions and I was given a 1 year no claim discount certificate. it's only then that I realised that the information about my driving licence was incorrect, I had a provisional licence for 3 years and drive at the side of my husband but on the paper its says 3 years full uk licence. i have now reinsured my car, the quotes are very high so I thought I could use my 1 year no claims bonus to get some discount, I did and now the new insurer want to see my NCD. My question are: is that NCD still valid even thought an information was incorrect and because I only realised it late I didnt do anythg about it. can I sent the NCD or simply cancel everything or tell them i no longer have it or try to explain it (will the believe me or report me?) and restart from 0? If I do use it, will my new insurer contact the previous one for details of my previous policy?(on the letter, a number is given to call + a reference number). is this going to be considered as a fraud? OR, WHAT SHALL I DO? Don't want to get myself into hot water but then i am paying £1900 for the year ... thanks for reading and replying

Edited by lovebanana
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NCD = NO CLAIMS Discount,

 

If you didn't make a claim you are entitled to notify new insurer, however you could be due monies to old insurer as they could claim that the risk charged was based on you having full licence and not provisional. It is a contract of the utmost good faith.

 

Especially when it goes their way !

 

How will the present insurer know either what premiums you paid or on what basis, to divulge this to present insurers may well breach DPA. All they will care about is that you have held insurance for a year and not claimed.

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Ignoring what happened previously, are you saying that you have correctly informed your current insurer of your licence details and length you have held it, and have a certificate from your previous insurer showing 1 years no claims?

 

If so, then I would say at this time what happened regarding the oversight with your previous insurer is water under the bridge. As has been pointed out, if you had submitted a claim through your old insurer you may have had a problem as their "risk" turned out to be greater than they believed. No accident happened so the point is moot.

 

The facts you have supplied to your current insurer are correct (including the fact that you have held an insurance for one year without claiming) so the quote they have given you is based on accurate details.

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I very doubt they will care as long as your current information is correct i.e. Length of time you held a full licence and that your are entitled to one year NCD.

That is what your current policy will be based on.

They do share information but dont think this will be a problem.

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ok, but would they foud out that my 1 year NCD was based on incorrect information?

 

Your 1 year's NCB is not based on incorrect information. The premium you paid may have been lower than it should have been because you may have been a greater risk to them than they had calculated for, but the fact remains that you have held an insurance policy for 1 year and made no claims against it.

 

What premium you paid to the first company will not be made known to your current insurer and no longer has any bearing on your risk factor because the new company has the right details.

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