Jump to content


Registered Users

Change your profile picture
  • Posts

  • Joined

  • Last visited


2 Neutral

Recent Profile Visitors

The recent visitors block is disabled and is not being shown to other users.

  1. Hi @Bazooka Boo, @lookinforinfo and @FTMDave Apologies, I'm sure what you mean by "Sticky"? As requested, I've attached the PCN (all details scrubbed) - please let me know how to proceed - should I still email the CEO? Thanks, Ryan PCN McDonalds.pdf
  2. Hi @Bazooka Boo, Thanks for the response. It doesn't use the word "fine" but does use the phrase "parking charge". I've called the maccies multiple times, but they do not answer the phone.. it's one quite a long way away from me, so not one I can go to, to chat to the manager either. I will keep trying to get through, but if that consistently fails, what's the next steps?
  3. Hi, I have just received a parking offence through the post from McDonalds. On the 17th April 2022 I was parked in McDonalds from 09:32:28 until 11:52:30 a time of 2 hours 20 minutes. The car park was relatively empty the whole time. I was parked there, because after a large night out the night before, I took 2 of my girl mates to maccies. They were extremely hungover, and we were literally eating McDonalds / in maccies. We bought food multiple times over the time period. I have received a £50 parking offence from McDonalds as apparently, the maximum time you are allowed to be parked in Maccies for is 1 hour 30 minutes. I have never heard of such rubbish. The fine is from UKPC (UK Parking Control Ltd) How do I fight this? I wouldn't mind if I was just parked there and gone elsewhere, but we were literally in the McDonalds, buying food repeatedly. Happy to provide any and all information required. Thanks, Ryan
  4. Having discussed in more detail with the driver, she has accepted fault for not letting the insurance company know on the change of circumstance; but it feels harsh still - they should penalise £41, not £250! I'll draft up a letter to the insurance company and post here if that's okay for review
  5. Hi Unclebulgaria, Do you agree with the deductions then? I feel that for them to say, effectively "had we known of the correct information we'd have charged additional premium to start with we'd have charged 8% more then, so we're only paying out 8% less now" is ridiculous? Firstly, at the start of the policy, the driver was a student, it was only during the policy it changed, so to start with the policy was correct anyway. But secondly, surely we just pay the £41 additional premium now to receive full pay out? It seems unfair that they're deducting c.£250 for a £41 premium, of which it is only a few months where that £41 premium would be in place for. e.g. of 10 months of insurance, only 2 months would have been the additional £41. So by their own logic of percentages, then surely they only deduct that 8.03% for 2/10 of the value - the other 8/10 the information was correct? They're kind of having their cake and eating it here? Do you have a template draft that we may use to write to the insurer for the final letter? Thanks, Ryan
  6. Hi, Our car was recently written off due to an accident (Slipping on ice, spinning into ditch). We're now trying to claim on the insurance to get the pay out to replace the car. The HPI index of the car shows: - Forecourt = £4249 - £4550 - Private = £3550 - £3825 - Trade In = £1820 - 1960 The value of the car on markets, e.g. Autotrader for a "like-for-like" car is ~ £3500- £4000 The insurance company has written back with a valuation figure of £2923 and a final pay-out figure of £2488.28 They are deducting £200 excess - this is fine. However, they are deducting a further premium-penalty. The insurance initially cost £471.73. Upon taking out the insurance, the driver was a student. The driver has since finished being a student and is now a receptionist. The insurance company is saying that "had they known of the correct information/occupation, the insurance would have cost an additional premium of £41.16". Therefore, they are only paying out 91.97% of the premium. The premium initially cost £471.73, so e.g. £471.73 + £41.16 = £512.89, therefore 471.73 / 512.89 * 100 = 91.97%. The penalty comes under "qualifying misrepresentation". The way they have calculated this is £2923 -> 91.97% penalty = £2688.28 - £200 excess = £2488.28. ** NOTE - they have deducted the penalty before the excess, I think this should be the other way round which would instead lead to a higher figure of £2504.34 since it makes sense to deduct excess before premium calculations, please correct me if I am wrong here? Within their letter they have stated, and I quote "The purpose of your insurance policy is to indemnify you following an insured loss. Indemnity means we will place you in the same position, in monetary terms, as you were immediately before the insured incident. We do this by offering the market value. Valuing second-hand cars is not an exact science and for this reason we primarily use motor industry and Insurance Regulatory Bodies guides. They provide details of market values for the vast majority of cars available in the UK. The retail prices are examined and compared from dealers' returns of actual selling prices and the advertised prices of cars for sale on the forecourts of both franchised and non-franchised dealers, at auction and private sales." The car is a Citroen DS3 DSport HDI 110 with a mileage of 106,800. Similar examples can be seen here (these 4 are closest to my car, same spec, closest to mileage) : - Example 1 (Note lower mileage) - £3795 - Example 2 (Note lower mileage) - £4495 - Example 3 (Note lower mileage) - £3700 - Example 4 (Note higher mileage) - £3250 ***NOTE - Our vehicle also had a limited edition interior, which further increased its value. I wrote back to them reject this figure and valuation, since I can't buy a "like-for-like" vehicle for a price of £2488.28. - I'm about a grand and a half short. They have not offered the "market" value as they stated, nor have they offered placed me "in the same position, in monetary terms, as you were immediately before the insured accident". The insurance company has written back stating they had reviewed the case and increased the valuation to £3074. With the penalty and excess deductions, this is reduced to a pay-out of £2627.15. The insurance company is Admiral. Please let me know if any further information is needed. Please could I have some advice on this matter, can I challenge that pay-out, and if so, how? Or, will I simply have to accept the fact that I am going to have to effectively fork out a further £1400+ from my own pocket to be in the same position prior to accident? Thank you for any help, insight or advice.
  7. @dx100uk the road was the B1515 Please can you share how to check that here too?
  8. I was driving according to the conditions of the road. I think comments suggesting otherwise are a little obnoxious - I’m sure we all know that slipping on black ice is uncontrollable and unpredictable. My angle is surely, there is a law to state the councils must grit their highways in icy conditions? The road was not gritted. It should have been - is there no such law around this? The police did a report but I’m not sure they did a weather report, I’ll have to get in touch
  9. Hi, Apologies - I wasn't quite sure which forum to place this topic in - please move as appropriate. On Friday 14th Jan, I was on my way to work and due to ice on the road, hit some ice, slid, spin & resulted in my car crashing into the ditch. The car is written off completely. I am lucky to be alive, and have suffered multiple injuries including whiplash. I will not suffer loss of income, as my work is happy for me to take the days off to recover. However, I will suffer financial and social inconvenience, particularly with regard to the settlement on my car from the insurance. The road is a common commuter route and I believe this road should be gritted. Locals living along the road state how dangerous the road is, and this kind of accident is not uncommon. The county is Lincolnshire county council. I'd like to know - am I entitled to any form of compensation from the council, due to the road not being gritted in icy conditions? If so, - How do I calculate how much (roughly?) - Is there any law that this falls in guideline with? - How should I structure my letter for compensation. Thank you.
  10. Hi, My girlfriend recently moved to a new flat. The block of flats has a car park where each flat is assigned a specific, numbered car parking space. The flat she moved in to is a 2bed and her flat mate was using the assigned car parking space for their flat. Therefore, my girlfriend needed to apply for a parking permit to park on the road out the front (this application to the council, rather than to the private car park). Having moved from the same area, she had an existing permit for the area and needed to change the address of that permit, to this new location. However, the council website was down and would not allow her to update her address for her permit. She tried ringing the council but could not get through; basically at the time she was unable to change the address of her permit. As a result, she parked in the residence car park in a neighbours space that she knew was not in use while she awaited updating her permit. She later received a PCN of £60 (which if not payed within 14 days is upped to £100) for parking in this neighbours space. The company it was received from is "pcm". Is there anything she can do to get out of this charge? Having just moved, and knowing the space was not in use from the neighbour, it's an unfair charge since there was nothing else she could have done. Please let me know if you need any more information. Thanks, Ryan
  11. Hi Slick, On what grounds could they force the sale of my dad & uncles share of the house? My Grandad's care fees is not their problem; it would be the equivalent of me randomly forcing the sale of my neighbours house, like their 50% share is nothing to do with my grandad or the care home, I don't understand how the care home could force that, if my dad & uncle outright refused? Can they sell only 50% of a house? He does not have a SS rep as far as I am aware, and no, he does not pay rent to my dad or uncle.
  12. Thanks dx100uk - I looked into this today, and he has an assessment soon (NHS) - if that gets rejected, then we will get compass involved for a reassessment - Compass require a substantial upfront cost of £4,000 to perform an assessment, hence we'll only try them should the NHS-assessment fail. But should this assessment get rejected, and my grandad cannot receive "continuing health care", will he be forced to sell his house, and can they force my dad & uncle to sell their share, and make them pay for the trouble of it?
  13. Hi, My Nan died 5 years ago. Prior to her dying, she put her, and my grandads' house as "tenants in common", willing her half of the house equally 25%/25% to my dad and to my uncle. My grandads half is also willed 25%/25% to my dad & uncle. Since her passing, her 50% share of the house is now in my dad & uncles names. Recently, my grandad attained dementia and the NHS has insisted he cannot look after himself and put him in a home against his wishes, and against our wishes. We would much rather my grandad be in his own home with carers coming in, and we know full well he would prefer that too. However, due to COVID, the hospital are refusing to sort out more care plans, and insisting instead that he must stay in a care home instead (seemingly of their choosing - we haven't been given a say in anything, the NHS is making all of the decisions!). My mum & uncle are now joint power of attorneys for him. The care home/NHS are now stating that since my grandad owns 50% of a house, the house must be sold so that he can liquidate his 50% share, to pay for the care, and thus rob my dad & uncle of half of their inheritance (exactly the reason the house was put in tenants in common in the first place, to at least protect half of it!). On top of this, the care home/NHS has stated that since my uncle/mum are joint power of attorneys, and therefore would be selling the house on my grandads behalf, it is no different to my grandad himself selling the house - and thus my mum/dad & uncle would between them, incur all of the associated fees of selling a house that they do not want to sell - this will amount to around £10k at least. At minimum, the fees would be deducted equally from the total sales value of the house (and so, still my dad & uncle would be effectively paying for it through the value of their 50% being reduced). My dad & uncle had other plans for the house in the future and absolutely do not want to sell the house. They certainly do not want to pay any fees of selling a house they do not want to sell, and feel that a) the NHS should not be able to force them to sell anything - what they own is nothing to do with my grandad or the NHS and b) they should not have to incur fees of being forced to sell a house against their will. Can the NHS force them to sell the house? Any advice and thoughts on this issue would be appreciated, Thanks
  14. Hi both, I got a response from the Energie Fitness site from the message I submitted as an email accepting that the cancellation of direct debit was cancellation of the membership. See below: So.. will this alone get Harlands off my back? I havent been contacted since. Do I still need to submit a written letter? Seems pointless now if they have acknowledged it's cancelled? Cheers, Ryan
  15. Hi, I am moving out on the 23rd January and am going through the process of letting all my utilities etc. know. I want to cancel my Virgin Wi-Fi contract. Note - my contract is £30.50/month but goes up to £44.50 on the 27th February. While looking online, I saw that there was a "note" saying "if you cancel before 26th February, termination fees may apply" I want to have my contract end on the 23rd January and avoid any fees (I'm moving in with a friend, and no longer need the services. However, Virgin don't cover the new address anyway even if I wanted to continue) Can I avoid all fees, and if so what process should I follow? I tried ringing and it just goes to "Sorry, this phone is in use at the moment" every time - unusual for a call centre, normally goes in a queue. Thanks all, Ryan
  • Create New...