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    • 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.   
    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
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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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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UK car insurance co + no claims bonus EU


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Ive earned No-Claim Discount in Spain the last few years and have now returned to the UK expecting to pay a reduced premium for my car insurance using the spanish no claim bonus. However, so far several UK car insurance companies refuse to accept the spanish NCD.

 

I would like to know if i can challenge them under EU law as UK car insurance companies NCD's have always been acceptable in Spain so why not vice versa.

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I doubt you have a case

There's no legality in a NCD, it's a discount offered by the individual supplier and nothing else. If they don't want to iffer the discount, they don't have to. The situation could change if you could prove an insurer was taking someone on with a EU NCD and not you, that would be discrimination.

This is of course only my opinion.

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  • 2 weeks later...

My understanding of discrimination in the EU coomon market is:

if a driver has 3 years NCB from UK

and another have 3 Years NCB in Germany

 

if insurer give discount to one driver but do not discount the other -- this is discrimination -- the insurance companies activates in a common market and therefore it should be equivalent.

 

At the moment I have a similar issue with some UK insurers: I have an EU driving licence, and eventhough there are no valid reasons some insurars do not provide me with a quote (as I do not have an UK driving licence).

 

Anyway, I am reaserching right not, and as far as I could get, for my case is that they are faulting EU laws, by indirect discrimination (I sought legal advice from EU commions on this issue)

 

you can contact the EU commision to ask for your own case, but in my opinion if they fail to aknologe your NCB they are discriminating

 

hope this helps

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  • 3 months later...

I am in the same situation as you with a UK insurer, they say they can't accept my No Claim Bonus from an Italian insurer. Therefore they want to charge me double the amount. This really sounds like discrimination against Eu regulations.

Have you got anywhere with your inquiries with the European commission? Does anyone else have any advice in regards to this? Thanks

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Direct Line, Churchill and the other RBS Insurance brands accept European NCD provided it is in English showing the number of years entitlement.

 

To my knowledge most Insurers do, provided they can see what your entitlement was.

We could do with some help from you.

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thank you very much. I hope I can sort it out. Will keep you posted ;)

 

Did you get anywhere?

 

We have just returned for Germany. Neither Churchill nor Morethan will accept the standard european letter which has each sentence in French, German, English and Spanish. We are getting very frustrated - German insurers accepted the english letter from Churchill 13 years ago. If this doesn't work what on earth is EU about??

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

We could do with some help from you.

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Provided the standard European letter contains the necessary information, there is no reason why it would not be accepted.

 

Suggest that you go back to clarify why it has been rejected.

 

thanks for this. We have asked them - they want a letter that is ONLY in english, and not one line by line. Asking for clarification from either Churchill or Morethan is fruitless. We have not been able to access the individual who agreed the NC letter was ok. We have been unable to reach anyone in authority. We have now gone to a broker, and asked to try a more european orientated company such as Zurich.

 

As someone who is not overly enthusiastic about europe, having lived in Germany for 13 years, and now returning, it seems the whole idea of a single market is a complete fallicy (Pensions, bank transfers, "imports" are just a few examples).

 

Back to the car. We will try through the broker and let you know what happens. The german insurers (BBV) insist the letter is standard and "must" (German thinking) be accepted here. Would be interesting to see a UK insurer producing a NC letter in German, French or Spanish....

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The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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thanks for that, its useful information. We will perservere, but do seem to be up against a brick wall of beauocracy - much more so than we ever came across in 13 years in Germany !

 

 

The letter is standard and the Insurers probably receive them most days. I suspect that they had the office newbie or someone half asleep to check the letter and they rejected it.

 

The staff the check the no claims proof are not those that you speak to on the phone. You need to make a complaint with a team leader or customer relations. Ask them to dig out the letter you sent them to check that it contains the information they need in English. If it does, then I suspect that all will be ok.

 

Under FSA rules, in Insurance offices, staff are managed by a team leader, who normally supervises a team of up to 12 full time equivalent people. They have to have a supervisor or manager available at all times, partly for compliance reasons, but also for health and safety reasons. So there should always be a team leader or manager to speak to.

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The UK Insurance industry has gone down hill in the last 10 years or so. I would say that most provide a pretty poor service. This is partly why we have seen high street brokers increase their sales in recent years. People get fed up of dealing with call centres !!! Some of the companies have even outsourced or off-shored some of the work. I think some of the admin work for some companies is sent to India.

We could do with some help from you.

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 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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  • 1 year later...

Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

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Are you applying with an Italian EEC driving licence? If so try running a quote through with a recently received UK motorcycle licence as it might be cheaper if so go through the process of obtaining a UK licence

 

I tried all the chances, from new UK licence no NCD to long experienced EU licence with NCD, the prices seems to vary just from 120 to 500 on MCN, and it's quiet fine, but it doesn't always work on the companies' website. I was asking for a suggestion of a company to try as well. If anyone knows.

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Having tried this the opposite way round, the NCD is a ''discreationary benefit'' not and obligatory one!!

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 3 weeks later...
Hi,

 

I'm interested in this, too. I'm Italian and I'm gonna ask my insurance to provide me with the NCD in English (hope they will).

 

I want to buy and insure a motorcycle, but no company seems to accept my 8 year full Italian license and NCD to make me pay "human reasonable" prices. A company asked me £1200, two refused to insure me.

 

If the thing went any further in your experience, can you suggest me any company?

 

Thanks.

 

MCE, they recognised my Irish NCB & Irish licence.

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MCE, they recognised my Irish NCB & Irish licence.

 

Thanks, I'll try with them, but it's probably harder for me because the NCB will be in another language and it's not called even NCB!

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If it's in another language you have virtually nil chance of an Insurer accepting it.

 

The only chance I can think of is if you find a broker sited in an area with a large percentage of that countries nationals living there who might be able to persuade an Insurer

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Actually as it's Spainish bonus, try a broker in Spain such as Neil Rowley who specialise in Ex Pats, they may have a connection with a UK broker they can recommend for you

 

Actually, I was going to ask to my insurance company in Italy to provide me with an English version or, at least, sign one translated by me... Hope it will be enough for the UK insurer....

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