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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 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. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • 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.   
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Swinton car insurance


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I missed D/D on the 1st June.

Didn't realise as I was on holiday but when i got home had 2 letters.

First letter dated 2nd June stating pay up or policy will be cancelled within 7 days.

Second letter dated 8th June ,Default Notice £12 charge plus pay up by 22nd June.

Stupidly didn't read letter properly/slipped my mind but when I phoned to sort it out told(some days later)told the policy had been cancelled and to pay remaining £88 to bring the policy up to date.(no rush as the policy had already been cancelled according to the first letter.)

23rd June received letter Swinton now want £118 including :discount and/or cashback recovery?? plus £45 cancellation fee.

Phoned and said i wasn't happy,told it would be passed on DCA within 7 days and would be charged a further £25.

Not bad money considering I'd only missed my payment 3 weeks before.

TNC Legal Services try to collect(£143) so I put in a CCA request with £1 postal order,heard nothing until today when Swinton write again asking for £118 again,pay up within 7 days to avoid further charges.

What sort of response should I give them seeing as I've already asked and paid for my CCA via TNC ?

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They are a nightmare. I had my parents charges written off. They instructed debt collectors within 7 days (it was a £50 canx charge they were after - nothing else was owing).

 

I did it by following their complaints procedure (its on their website for addresses etc).

 

First I wrote to branch and asked for invoice and explanation in writing. They merely wrote back telling me they were instructing debt collectors and didn't answer any queries.

 

Then I wrote to Head office in Manchester complaining about them taking advantage of pensioners and asking why their branch office had seen fit to demand money and pass to debt collectors without offering any sort of explanation as to my queries in writing. (think they stuck an extra £35 on for the debt collector charge)

 

Debt collectors were chasing (Regal) whilst I was waiting a month for them to reply. I have since been told they are not allowed to chase as account was in dispute.

 

Head office wrote back after a month saying they would write the money off "as a gesture of goodwill"! Didn't even get an apology.

 

They are totally arrogant, treat people like dirt and I hate them with a vengeance so good luck!!

 

I did the above before I discovered CAG but I have posted it on another Swinton thread, I've also recently seen a post from someone else who had won on a cancellation charge. Search for the threads, there will be other info there.

 

Make them put everything in writing, they don't like it and contradict each other. Don't think the branch staff are capable of writing a letter so they'll slip up and probably give you ammunition to help with Ombudsman/FSA.

Edited by Jan4a
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Can someone confirm that the default notice is invalid,dated 8th June stating action is required before 22nd June,from reading other posts I gather that Swinton should allow 2+ days for the post to reach me.8th of June was a Monday,so the date for me to pay the arrears and avoid the breach of contract should have been the 25th,am I corrrect?Am I also correct in saying that as Swinton terminated the contract without giving me sufficient time that I do not have to pay them anything,I was going to pay what I owed but was disputing the charges,due to the invalid default notice I'm under the impression that I now owe them zilch.

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Read through the credit agreement and no mention of a £45 "cancellation fee"

Found this though under Miscellaneous;

 

21.This agreement becomes binding when it is signed by you.By making your first monthly payment(or by arranging with a third party for it to be made)you are confirmingthat you have signed this agreement and that you intend it to be fully binding and enforceable by us.

 

thoughts anyone?

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Hi Greendollar

 

My parents circumstances were different in that they paid the whole premium upfront, so no credit. Parents bought a new car, insured it with a different company and just left the Swinton as it was due to run out in two weeks anyway. Swinton rang them 2 months later demanding a cancellation charge! And that charge was £50, so are others I've seen on here so don't know why yours is £45. Also says £50 on their T&C's on their website I think.

 

Good luck

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  • 2 weeks later...

Right , I hope I can get some help on here as well please. Again it involves Swinton and again it involves Regal credit.

My Wife lost her job back in the beginning of June due to her being diagnosed with Cervical Cancer , I had lost mine on Friday 13th February due to the recession, that is the background .

Okay, because my wife had no income she defaulted on her insurance for her car, She had a few nasty letters and a £12 charge slapped on her.

I contacted them and explained the situation, their attitude was less than pleasent and I was informed I had so many days to sort out the payment to bring the account up to date or the policy will be cancelled.

Suffice to say the policy was duly cancelled , we were informed that the vehicle was no longer insured and that to use it would be a criminal offence..the usual guff..

Fine , the car came off the road, as she was in no fit state to drive it anyway , and we used my car instead, which was and still is fully insured.

Then the letters and phone calls started from Regal demanding payment of £275 as payment for the balance outstanding, I.E, the balance left on the insurance.

I thought that if the policy had been cancelled by Swinton, in other words no longer exists , there surley is nothing to pay for ?.

Also the phone calls have taken a sinister twist. My wife is at home recovering from the surgery she had to undergo as a result of the cancer, it is imperitive her health improves so that she can commence chemo.

The calls are distressing her and knocking her back, I explained this to Swinton and they ignored this, the calls still continue, what can I do to shut these people down ?.

I was thinking of sending a letter basically outlining my point about cancelled policies or sending them a letter saying I shall pay this when my financial situation improves. But the latter acknowledges that a debt exists.

Any advice would be appreciated thanks

Edited by MisterBuster
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Have you had a had a look at their T&C's on their website? And more to the point, their complaints procedure. Following the complaints procedure worked for me but my circumstances were slightly different. Not sure if people will advise you to do a SAR.

 

Regarding Regal, other people on here are better qualified in advising how to deal with debt collectors. You might be better starting your own thread titled something like "Swinton Insurance & Debt Collectors" so the relevant people will notice your thread and reply with better advice.

 

When I followed their complaints procedure I stressed that they were "bullying pensioners" (my parents) - this is true and why I hate them so much. So, whatever route you end up going down, ensure they are aware (in writing, by recorded delivery) of the the affect they are having on your wife.

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  • 3 weeks later...

Good to hear it.

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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