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    • 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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    • 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.
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Sickeness policy, who is at fault? Advice please!


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Hi all

 

I have a policy where if you are too unwell to work it would pay out.

This started through a broker in around 2008 and has changed with my work over the years.

 

Recently I had some time off work and called to check if I could claim anything.

Turns out this only pays out once the employer stops paying wages…

ok with my naivety maybe I didn’t click on to this as you would be getting two wages.

 

I called the broker who checked the calls and apparently when I started the policy my employer didn’t have a good sickness policy and had stated for it to start after a month.

 

However, it seems when I changed jobs over the years,

initially I spoke with the broker who don’t actively ask if the sickness time if the same,

so increased the cover as was earning more and that was it.

 

There were two occasions when I was between jobs,

had reduced it to £2.00 a month or something to keep it running,

then back up once I found a new role,

 

where I spoke to the insurance company themselves,

it seems once again they didn’t check if the period when you stop being paid was any different.

 

The job I have been in for the last four years pays full for 6 months, then ½ for the next 6 months.

 

I am unsure how to tackle this as the broker seemed quite helpful and investigated it all,

but then seemed it quite normal they wouldn’t check if the time off before your employer changed.

 

It could also be argued that I didn’t fully understand that by it being a 30 day deferral period I didn’t realise it was in conjunction with when the employer stops paying.

 

Can someone please advise the best way to speak to the broker/the company about cancelling and see if I can get anything back?

 

Many thanks

 

E!

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Have no idea, I shall check the paper work later.

 

 

Surely if I was supposed to they would have asked at time of me telling about date new employment and salary?

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The alternative view may be that its your obligation to inform them of changes to your circumstances so you should have informed them.

 

However, this is an assumption so lets wait to see what the obligation on you is.

It is easier to enter a rich man than for a camel to pass a needle

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  • 2 weeks later...

So I have gone through any paperwork I have and cannot find anything stating about sickness policy of current employer, it just says to notify and change of address or employer, not specifically sickness.

 

One interesting thing though...

 

When do my benefits start:

 

It talks about choosing a deferred period,

being the time they wont pay out from once we are signed off,

one day to fifty two days

 

But no where does it say they only pay once the employer stops,

maybe this is where the confusion happened,

and it certainly doesn't say,

or was I asked to provide a contract or TnCs of employment.

 

Incidentally the company has changed names and there also isn't any sort of documents stating their TnCs regarding this.

 

What do you think now?

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any cashing in value?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I don't believe so?

 

 

From my point of view I've paid £50.00 odd per month for quite a few years now, thinking if I was too unwell to work it would pay out after the agreed...deferral...period being four weeks. When I was off sick recently, I was told they only pay out when employer stops so don't understand what the four weeks is about?!

 

 

The two occasions I was between jobs I had reduced cover to about £2.00 a month to keep it gong, then increased when I started work again. A no point did they ask about the new sickness policy or to see a copy of contract etc... just all done word of mouth, which is either normal or not normal?

 

 

I need to cancel this but don't want to until advised here as want to see if I can get any ££ back first!

 

 

Cheers

 

 

E!

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Hello HB :)

 

 

I think, its income protection? for if you are too unwell to work and they pay out. My understanding, maybe wishful thinking, was this happens as soon as you are signed off....but only happens once employer stops paying.

 

 

Broker Ensleigh, policy with Pioneer, who became Exeter, who became Exeter Friendly Society.

 

 

I can get exact wording from policy later

 

 

Many thanks

 

 

E!

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Ok shall post tonight :) and thanks!

 

It was just a call centre agent I think, who said...we don't pay whilst the employer is paying you otherwise its like double pay.

 

I cant work out if I was miss sold or just mist understood what they meant in the first place :/

 

I think it was 2008 when I started this so its a good 5k ive paid them for what I feel is a useless policy.

 

 

I did speak to Endsleigh who listened to calls and apparently when I started had said I was only paid for first month of sickness so believe this is where the deferral period came from?

 

 

since this ive changed jobs a few times and most pay 6 months full then 6 months half, in which case they said I should have been paying a much lower monthly fee

 

 

A couple of times I advised the broker who told Exeter but more recently I went direct to the company.

 

 

Just seems strange none asked if sickness cover changed or asked for copy of contract?

 

Cheers

 

 

E!

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get an sar running

get those call recordings before they hit the delete key!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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So ive found some more paper work...

 

When Pioneer it was called a Pure Protection Policy and Income Protection Policy, dependant on when they wrote to me.

 

There are however notes on the bottom of a page...

 

1 Benefit payable after 4 weeks of incapacity

 

Which doesn't really add up with what the phone person said?

 

There doesn't seem to be any T&C's though :/

 

I was only off for seven weeks in the end, so would have not been much if they had of paid me, however getting the 5k odd ive paid to them is a different matter!

 

Who do I SAR dx? the broker or the company?

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you were talking about phone recordings...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Ok sure so the broker, do I also SAR the company too as there was direct conversations with them when I reduced it then increased it again?

 

I found a fact sheet stating it pays as soon as you are too ill to work, then paragraphs below say only when employer stops paying.

 

Also surely they should have changed the deferral period when I kept changing jobs?

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i smell a reclaim here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

We really need to see the policy wording to understand what might have happened. If you don't have a copy, I wonder if you could get hold of one? Let's see the fact sheet though please and see what that says.

 

I've had a look at Exeter's current policy wording and it seems to say that they will pay you up to a percentage of your monthly income, to replace your salary. If you were being paid by the company at the same time, this would have complicated things.

 

It seems to me that if you told them that your new employer would pay you for six months on full pay and six on half pay, then they should have looked to extend your deferred period to six months at least. If they'd done that, your premiums should have been cheaper than having a one month deferred period.

 

Hopefully the phone calls will show that you told them.

 

HB

Illegitimi non carborundum

 

 

 

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Hello and sorry for delay!

 

Thanks and yes HB its pretty much what they said, its just the conflicting information plus not asking/me not thinking to say the level of sickness cover from employer changed each time. Its hard to remember but I just don't think it was mentioned, or I thought by leaving it at 4 weeks if was better for me?

 

Are Endsleigh and Exeter ok or in the bag of lots of ppi reclaims ones?

 

This is currently a live policy by the way costing me £50.00 odd per month, should I cancel asap it do I need to leave it whilst we are doing all this?

 

Hopefully you should be able to view the first five pages now!

 

and the rest...

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