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    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Less than 1% of Japan's top companies are led by women despite years of efforts to address the issue.View the full article
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    • 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.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Car Accident on Friday past and other party now concocting a get out story.


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Been awhile since I have had any input on this thread but, after 80days of the other party's insurance dragging their heels and my insurer failing to gain a copy of the CCTV before he 30day write over loop etc, etc, finally the other party's insurer has accepted liability after two independent witnesses confirmed my version of events.

 

Have already had my car written off and payment received (still searching for replacement). Having failed to take legal cover with my insurance policy I have already spoken with my solicitor regarding this accident and he, advised me today that I no longer need him as my insurer SHOULD run with this now that liability has been established with third party.

 

I then spoke with my insurance and they said no!!??

 

Is this normal? I need to claim back my excess already taken from my settlement and after speaking with a "friend" advised I should be claiming back the premium increase I will get at renewal as a result of this accident!? .... Is this true?

Finally, my own insurance have told me that they have "Personal Injury" on their system for claim!??

 

So, should I now expect my insurer to now run with the baton as my solicitor suggested? .... Or should I go with my own solicitor? ..... Or dare I say it, do I go with one of those ambulance chasers as advertised on mass media?

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  • 1 month later...

On Friday past I called my Insurer and asked that they kick this can up the road as the other party's insurer had ignored all previous correspondence, this morning was called by my claims handler and told that my insurance had threatened legal action if they had not responded in 14 days and three days later the other party's insurance has admitted liability!

 

 

So, I asked my insurer what do I do now!?? Can I have my excess payment back please! What about personal injury/inconvenience,costs incurred?

I was told that my insurer would be pursuing their costs, hire car etc and I would need to appoint my only solicitor to pursue my own costs!!?

 

Is this normal? If so am I better using my local solicitor or one of those ambulance chaser outfits?

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Yes, that is correct.

 

Personal injury and your out of pocket expenses are "uninsured losses" so you need to claim them yourself or appoint your own solicitor.

 

If you choose the solicitor route, make sure they're a personal injury specialist firm.

 

Just Google "injury lawyers" or something similar and pick one.

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This is normal, the insurance excess is what's called an uninsured loss so it's not the insurance company's responsibility to recover it (sometimes they do it off their own back).

 

If you have an injury you should really instruct a solicitor. Which solicitor is entirely up to you, there are reviews of various solicitors online, and your insurance company may be able to recommend one. Otherwise see if there's a local solicitor who does PI work and can give you a free 1hr initial appointment.

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  • 2 months later...

As an update this thread is now concluded. After months I pushed my insurer to call the other party's hand and give them an ultimatum which they did. Finally the other party's insurer based upon the statements provided by my independent witnesses and the photos provided admitted responsibility!

 

So, I asked them to refund my Insurance Excess and they stated that they would include it amongst their charges for hire car etc. Yesterday it was six months and a day and I decided that I wanted this episode done & dusted, contacted my Solicitor who advised me to first call the other party's insurance and deal direct with them. I did and in an afternoon the other party's insurer refunded my excess deduction, refunded me my expenses incurred including transportation of replacement car from England to Ireland and a compensation award for the seat belt injury suffered in the accident.

 

No solicitors, no other party acting on my behalf, just me being polite, firm and fair got the episode concluded. So, if you are involved in a non fault accident and like me have no legal cover, do not fear taking insurers on yourself.

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