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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
    • Yep, I read that and thought about trying to find out what the consideration and grace period is at Riverside but not sure I can. I know they say "You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is"  but I doubt they would disclose it to the public, maybe I should have asked in my CPR 31.14 letter? Yes, I think I can get rid of 5 minutes. I am also going to include a point about BPA CoP: 13.2 The reference to a consideration period in 13.1 shall not apply where a parking event takes place. I think that is Deception .... They giveth with one hand and taketh away with the other!
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
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pretty complicated - what are my chances of a successful claim


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Hi guys

 

Bit of a messy car insurance claim. I purchased a vehicle which i got myself insured as a second driver and my mother the main driver (I’ve since been told this is illegal and the company should never have allowed this in the first place) i moved address and my mum has moved address but she forgot to change the address with the insurance company, so in effect the insurance policy is registered in my mums name, at our old address, i won the car, at another address. i took the car to a garage to get it serviced and the car was stolen from the garage, I’ve now found out the garage has no insurance. The police found the car burnt out. Personally i think I’m screwed when it comes to my insurance claim, have i got any hope?

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Hi guys

 

Bit of a messy car insurance claim. I purchased a vehicle which i got myself insured as a second driver and my mother the main driver (I’ve since been told this is illegal and the company should never have allowed this in the first place) i moved address and my mum has moved address but she forgot to change the address with the insurance company, so in effect the insurance policy is registered in my mums name, at our old address, i won the car, at another address. i took the car to a garage to get it serviced and the car was stolen from the garage, I’ve now found out the garage has no insurance. The police found the car burnt out. Personally i think I’m screwed when it comes to my insurance claim, have i got any hope?

 

Hello there.

 

I'm a bit confused, maybe you could clarify please?

 

You say you bought the car and then later that you won it. Which is right please?

 

And maybe you could clarify the bit about your Mum being the main driver and you the second one? Which part is illegal?

 

My best, HB

Illegitimi non carborundum

 

 

 

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oh sorry , i hold the car at another address (not sure how i ended up writing that :) ). Right If you take out a insurance policy, the person who owns the bvehicle (the person whoes name is on the V5) has to be the main account holder. I owned the vehicle but wasn't listed as the main account holder, which is supposed to be illegal yet somehow they were still happy to take my money even though i may not have been covered

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If the car was yours and you were in fact the main driver, then the policy should have been in your name. So by getting your mum to take out the policy is 'fronting' which is illegal.

 

I suggest that your mum makes the claim on her policy and she just explains that the registration documents are in your name, because you bought the car for her. Being that the claim is for a theft from a garage and not an accident, the Insurers might not look into this too far. The Insurers should pay your mum out for the 'market value' of the car and they will try to recover the claim from the garage.

 

I would suggest that your mum does not tell the Insurers that the car was yours and you were the main driver, because they will void the policy and she will then have difficulty obtaining Insurance for her own car/house etc. You would also be faced with having to take legal action against the garage for not securing the car, which would be costly and you would not be guaranteed to win.

 

Keep this simple. You gave the car to your mum and that is the reason the policy was put in her name. You just made a mistake with the registration documents, which you should have transfered to her.

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Personally, as you have fronted the policy, then it is v unlikely you will get any money from them. The best you can hope for is them voiding the policy ab-initio, which means you will get the premium back.

 

A to taking the garage to court, it depends if they have been negligent. How as the car stolen? were the keys left in the vehicle? Were teh keys just left on a noticeboard?? etc

Abbey - owed £3260 - Paid up.

 

Barclays owed £2500 - Paid up.

 

Halifax, Mint & Egg - next on the hit list

 

Dont click on the scales - I'm quite proud of my little red dot! - As the little red dot has gone - click away!!!!

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