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    • Thank-you dx for your feedback. That is the reason I posted my opinion, because I am trying to learn more and this is one of the ways to learn, by posting my opinions and if I am incorrect then being advised of the reasons I am incorrect. I am not sure if you have educated me on the points in my post that would be incorrect. However, you are correct on one point, I shall refrain from posting on any other thread other than my own going forward and if you think my post here is unhelpful, misleading or in any other way inappropriate, then please do feel obliged to delete it but educate me on the reason why. To help my learning process, it would be helpful to know what I got wrong other than it goes against established advice considering the outcome of a recent court case on this topic that seemed to suggest it was dismissed due to an appeal not being made at the first stage. Thank-you.   EDIT:  Just to be clear, I am not intending to go against established advice by suggesting that appeals should ALWAYS be made, just my thoughts on the particular case of paying for parking and entering an incorrect VRN. Should this ever happen to me, I will make an appeal at the first stage to avoid any problems that may occur at a later stage. Although, any individual in a similar position should decide for themselves what they think is an appropriate course of action. Also, I continue to be grateful for any advice you give on my own particular case.  
    • you can have your humble opinion.... You are very new to all this private parking speculative invoice game you have very quickly taken it upon yourself to be all over this forum, now to the extent of moving away from your initial thread with your own issue that you knew little about handling to littering the forum and posting on numerous established and existing threads, where advice has already been given or a conclusion has already resulted, with your theories conclusions and observations which of course are very welcomed. BUT... in some instances, like this one...you dont quite match the advice that the forum and it's members have gathered over a very long consensual period given in a tried and trusted consistent mannered thoughtful approach. one could even call it forum hi-jacking and that is becoming somewhat worrying . dx
    • Yeah, sorry, that's what I meant .... I said DCBL because I was reading a few threads about them discontinuing claims and getting spanked in court! Meant  YOU  Highview !!!  🖕 The more I read this forum and the more I engage with it's incredible users, the more I learn and the more my knowledge expands. If my case gets to court, the Judge will dismiss it after I utter my first sentence, and you DCBL and Highview don't even know why .... OMG! .... So excited to get to court!
    • 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! 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.
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Proof of no claims for car insurance...


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Hi all, hope you can help me with this.

 

I previouly had a car insurance policy that expired in Jan 2005. As I no longer needed my car at that time I did not renew my insurance. However, I stupidly failed to get a proof of no claims letter in case I subsequently needed to get another car.

 

I called the insurance company today, and they say that they no longer have any details of my insurance cover with them, and that they will not provide me with a proof of no claims letter.

 

Surely they would still have details of past policy holders to help prevent against fraud, e.g. getting insurance from someone else and claiming that you have never had an insurance claim, when in fact you have.

 

Can I do a DPA request to find out if indeed they are holding any information about my previous policies? I do have a reminder letter/quote from them from around Jan 2005 that indicates on the back of it that I had 6 years of no claims; could I use this for my new insurance company?

 

Cheers in advance for any help you can give me with this.

 

TC

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I do have a reminder letter/quote from them from around Jan 2005 that indicates on the back of it that I had 6 years of no claims; could I use this for my new insurance company?

 

Should be fine but it depends on your new insurance company - I would think most would accept that. When I last renewed my insurance I told the new insurers how much no claims I had and they didn't even ask for proof.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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I agree. But I cannot understand why they have no knowledge of your policy. The NCD is valid for 2 years. Is there a reference number on the quotation that you could give them???

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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You were lied to over the 'phone; they DO hold details. Did you get the name of the agent you spoke to?

 

Anyway; simply write to them giving the Policy Number etc, the registration number, the address that was current at the time you held the policy... and ask them for a proof of NCD. They should forward it to you. If that fails then submit a DSAR as they MUST hold financial records about you in a relevant filing system for 6 years by law.

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Absolutely correct.

 

A few of the big boys work together (3 of them are owned by one of the Banks)

 

If they have details of ncd therefore already they wont ask.

 

I dont know whether they are charging for proof of ncd they have started charging for issuing copy certificates (15.00-20.00)

 

There is the legal requirement tho to store all the records for 6 years

 

Someone here is telling a few porkies..........let them know you know the rules.

 

;)

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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