Jump to content


  • Tweets

  • Posts

    • 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.
    • 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.
    • Women-only co-working spaces are part of the new hybrid working landscape, but they divide opinion.View the full article
    • The music streaming service reports record profits of over €1bn (£860m) after laying off 1500 staff.View the full article
    • 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  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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
        • Like
  • Recommended Topics

insurance company has put me out of business


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4530 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi, a year and a half ago a driver of mine clipped his mirror on another car and scuffed the wheel but left the scene i advised him to report to the police and he did. a year ago the MIB interviewed him and contacted my insurance company and my insurance company paid out, i knew nothing of the interview or my insurance paying out any until 3 weeks ago 01.11.11 when my insurance premium came in and had doubled from 12k to 23k. This forced me to close business. Are the insurance company in breach of anything for never contacting me the policyholder, i was never given the chance to defend myself as a policyholder in respect of no damage to my vehicle and they have paid out 7 to 8k to the third party. Help please simon

Link to post
Share on other sites

Hi, a year and a half ago a driver of mine clipped his mirror on another car and scuffed the wheel but left the scene i advised him to report to the police and he did. a year ago the MIB interviewed him and contacted my insurance company and my insurance company paid out, i knew nothing of the interview or my insurance paying out any until 3 weeks ago 01.11.11 when my insurance premium came in and had doubled from 12k to 23k. This forced me to close business. Are the insurance company in breach of anything for never contacting me the policyholder, i was never given the chance to defend myself as a policyholder in respect of no damage to my vehicle and they have paid out 7 to 8k to the third party. Help please simon

 

 

Hi,

 

Did your diver hit the other car or not?

Link to post
Share on other sites

Suggest that you obtain legal advice. Suggest that you make a subject access request to Insurers and MIB under Data protection, asking for all data/paperwork regarding the claim. Just send a letter making the request, with £10 cheque to cover the fee. Once you have all this information, hopefully a solicitor can offer an opinion. From what you have said, it sounds like a personal injury claim has been made, as well as cost of repairs. Perhaps because they could not dispute the third party claim, they just paid out and did not feel that they had any contractural or regulatory reason (FSA) to inform you of the claim progress, so you could intervene if you thought necessary. When you sign up to an Insurance contract, you do give permission to allow the Insurers to deal with third party claims. Keeping you updated, may be good practice, but whether there is any legal or other duty to do so, I am not sure. You could also check this with the FOS, by giving them a call.

 

Not sure why the MIB were involved, as I thought they only dealt with uninsured losses. The third party may have thought your companies vehicle was uninsured and it was sometime later your Insurers got involved, when the policy details were advised to 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

 

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

 

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

Link to post
Share on other sites

On the basis that your driver left the scene, even though reported it to the police. It wasn't reported to your insurer (your responsibility) where cleary it was deemed important enough to report to the police. The fact the MIB were involved, it was probably fault and if not fault, the driving away doesn't look good.

The insurer has a legal liability under the road traffic act to deal with a third party claim and a subrogated right to deal with your claim as they see fit. You can ask them why they didn't contact you, but that won't resolve the fact that they had to pay out. They wouldn't have done this without scrutiny, they are a business after all.

All in all I don't think you would gain much support if you went to court or the FOS.

Potentially you can pay back your insurer the amount they paid to lower the premium, this may work out cheaper, but there will no other premium considerations to take on board, that may be seprarate from the claim payout alone.

Link to post
Share on other sites

The mib were involved as the car hit did'nt get the registration or knew what had hit them it was only the fact my driver reported it the mib put two and two together, as i said their was no damage to my vehicle and my driver could see no one in the vehicle and yes driving away is'nt the right thing to do.

Link to post
Share on other sites

The mib were involved as the car hit did'nt get the registration or knew what had hit them it was only the fact my driver reported it the mib put two and two together, as i said their was no damage to my vehicle and my driver could see no one in the vehicle and yes driving away is'nt the right thing to do.

 

 

But you said your van had scuffs on the wheel though?

 

The MIB deal with either uninsured or untraced drivers so they were involved because your driver didn't report it properly.

 

You are vicariously liable for you employees actions.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...