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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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FCA Fines and bans three previous Swinton Executives


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http://www.insuranceage.co.uk/insurance-age/news/2379614/fca-fines-and-bans-three-former-swinton-senior-executives?utm_term=&utm_content=FCA%20fines%20and%20bans%20three%20former%20Swinton%20senior%20executives&utm_campaign=IA.Daily_RL.EU.A.U&utm_medium=Email&utm_source=IA.DCM.Editors_Updates

 

"Ban follows enforcement action in 2013 and Halpin, Bowyer and Clare have been barred from senior roles at FCA regulated firms.

The Financial Conduct Authority (FCA) has fined three former senior executives of Swinton Group a combined total of £928,000 and banned them from performing various roles at financial services firms.

The FCA's action follows previous enforcement action taken against Swinton in 2013 when the company was fined £7.4m after it adopted an aggressive sales strategy that resulted in mis-sales of monthly add-on insurance policies.

A culture of pushing for high sales and increased profit without regard for customers had developed at Swinton according to the regulator.

Peter Halpin, former chief executive of Swinton, was fined £412,700 and is banned from acting as chief executive of a financial services firm.

Anthony Clare, the former finance director, was fined £208,600 and is banned from performing significant influence functions at financial services firms.

And the same ban has also been placed on Nicholas Bowyer, former marketing director, who was fined £306,700.

Competence

All three have been banned on the basis of showing a lack of competence in their respective former roles.

Tracey McDermott, director of enforcement and financial crime at the FCA, said: "A culture was allowed to develop within Swinton that pushed for high sales and increased profit without regard to the impact on the firm's customers.

"We expect firms to put customers at the heart of their business. These three directors should have recognised the risk to customers and redressed the balance so that the drive to maximise profits did not jeopardise the fair treatment of customers.

"Those with significant influence within firms are responsible for setting the tone and the culture; they set the example that others will follow.

Action

"Today's enforcement action should serve as a timely reminder to those at the very top of firms that the FCA is determined to hold individuals to account where they fall short of the standard we require."

A statement from Halpin reads: "I sincerely regret any possible unintended detriment suffered by customers.

"I acted in good faith at all times and it is of some significant comfort that the Regulator did not impugn my integrity, nor find that my conduct was improperly motivated by incentive arrangements".

Swinton was also fined £770,000 in 2009 for failures in its sales of PPI"

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