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    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
    • I suppose I felt my defence would be that it was an honest mistake and even the initial £60 charges seemed unjust, let alone the now two £170's he is now demanding. There is no Justpark code for 'Sea View' on the signs in the car park and the first/nearest car park that comes up when you're in the Sea View car park is the 'Polzeath beach car park'. If I have to accept that I need to pay £340 to avoid the stress of him maybe taking me to court, then so be it. If people here advise me I don't have a case then I will just have to pay.
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      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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Car Insurance Accident - Help Needed


moneydragon
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Hi you could report them to OFT for possible breach of their guidelines

 

section 2.6

 

c. using more than one debt collection business at the same time

resulting in repetitive and/or frequent contact by different parties

d. not ensuring that an adequate history of the debt is passed on as

appropriate resulting in repetitive and/or frequent contact by different

parties

e. not informing the debtor when their case has been passed on to a

different debt collector

 

dpick

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Bump. Hope you get this sorted, you're getting an appalling service from your insurance. Try Watchdog!

Thanks for your support dispirited.

 

I have submitted my complaint through FOS I am now going down the route of being mis sold this policy. So we will see how far I get with this if not then I may try watchdog.

 

These companies are quick to take your money but not prepared to do diddly squat when called upon:confused:

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Hi dpick thanks for your reply now you've confused me.

 

I dont think this really applies as Swinton who are the broker, who I am having BIG problems and whom I have a complaint logged with FOS with.

 

Can Swinton just pass what they say we owe onto a debt collector when we have this ongoing complaint which the FOS are looking into?

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There are two separate issues here that need to be addressed:

 

As i said before, if you've had a "fault" claim then the company is correct to request the rest of the premium for the year so I don't think you'll get very far in arguing this and i would consider paying them what you owe or perhaps seeing if they can deduct it from whatever settlement they give your daughter for her car.

 

I would definitely pursue the complaint with the claims department though cos you have received some shocking service!

Before going to the FOS, you need to have logged a formal complaint with the insurer and given them time to resolve it. If you haven't done this then the FOS will simply decline to act until you have.

 

Keep us updated

 

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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On what grounds are you claiming it was mis-sold?

Hi Chesterexpress

 

In short on the grounds that they state that it is their t&c that my daughter would have to pay the outstatnding amount of premiums and it clearly is not. This was not made clear to her.

 

Also the fact that since the accident the insurance company do not want to know she hasn't even completed an accident claim form they have done diddly squat and have charged her over 2.5k for the priviledge and whats more it was not her fault.

 

She has received nothing in writing about her car the only correspondence she has received is the demands for this money and 9 weeks later she still has no vehicle.

 

And this was supposedly fully comp insurance:-x

 

Sorry I am going off on one now

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I cant find any policy documents online for gateway (I'm struggling to find out much information about them at all to be fair!) but i did manage to find a copy of the policy booklet for MMA who underwrite for Gateway so the terms and conditions should be very similar if not identical.

http://www.mma-insurance.com/MMA_Website/a/pdf/Private-Motor_Wording.pdf

 

Have a look at page 3, 3rd paragraph down.

 

I still maintain that you are liable for the outstanding balance and i would also go as far to say as this is probably why you are having so many issues with the claim as they wont move the claim forward until any outstanding issues on the policy have been resolved.

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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I cant find any policy documents online for gateway (I'm struggling to find out much information about them at all to be fair!) but i did manage to find a copy of the policy booklet for MMA who underwrite for Gateway so the terms and conditions should be very similar if not identical.

http://www.mma-insurance.com/MMA_Website/a/pdf/Private-Motor_Wording.pdf

 

Have a look at page 3, 3rd paragraph down.

 

I still maintain that you are liable for the outstanding balance and i would also go as far to say as this is probably why you are having so many issues with the claim as they wont move the claim forward until any outstanding issues on the policy have been resolved.

 

DA

 

Hi Darkangelsdelite

 

Sorry da but i disagree from day one the service has been non existent, my daughter has not even completed an accident form, nothing, not one letter of communication in regards to the rtc. The issue of the outstanding premium has only been an issue for the past 2 weeks. Even now they wont communicate with me just that they want the payment no explanation just we will put it in the hands of debt collector you will pay £25 and get a black mark on your credit file as stated before my daughter paid 2.5k to be treated like this what ever happened to good old customer service. - md

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Is it the Broker or Insurance Company who you have been dealing with regarding the claim etc.? I wouldn't worry to much about the non completion of a claim form, as many insurer's don't issue them and fill them in when you make the claim via phone. I have also failed to find much information re; Gateway, however MMA do have details online as DA has already pointed out.

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Hi chesterexpress

 

Been trying to deal with both Gateway however after chasing and chasing Gateway managed to get it sorted a bit, but the broker well they are the ones I am complaining about.

 

The annual premium far outways their liability is this right?

 

When my daughter got her car I encouraged her to go fully com as I thought she would have more security, not the case, next time I will insist she has 3rd party cover. If it had been explained to her at the time she handed in her certificate to carry on paying then she would of done so. Now the broker has, after demanding and no discussion whatsoever just cancelled the policy and demands payment no compromise ie carry on paying the monthly amount and when settlement is made that can be carried over. Now there's no going back.

 

Surely for 2.5k she should receive better treatment than this?

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I'm not disputing that you've had lousy customer service, I'm simply pointing out that by digging your heels in regarding not paying the balance on the account then you may have exacerbated the situation, that's all.

 

In regards to fully comp cover giving more security, it does, to a certain extent.

The main difference is that if you damage your own car in some way (either vandalism, hitting a post or even hitting another car) then your car is repaired as well as the third parties. You also get cover for glass damage as well.

 

Chester is right, most insurers don't use claim forms any more, its all done over the phone.

This is how i see your situation at the moment:

Gateway are dealing with the third party claim (they're obliged to under the RTA) and are holding off dealing with your daughters claim until the debt on the policy is settled.

You're complaining, quite rightly, about the "service" you have received but are also refusing to pay the debt on the account, therefore holding up the claim which you are complaining about in the first place.

 

I cant really see any other solution to this other than to pay the balance, let them deal with the claim and then taking this up as a formal complaint with their customer relations debt and even the FOS if it comes to it.

 

 

DA

If you find the advice I give is useful, then please feel free to click the scales :)

 

"It is better to keep your mouth closed and let people think you are a fool than to open it and remove all doubt" :)

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Hi DA

 

I am not refusing to pay the outstanding, I just asked them to point out to me where it states that this has to be paid as it does not state it on anything that my daughter has received and todate they have not. If it is shown that my daughter has misunderstood then so be it she will have to bite the bullet.

 

I dont feel that she is asking too much it is the broker that refuses to communicate in any way.

 

As for Gateway they have now made a settlement figure but we have agreed to put on hold until this is sorted.:(

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  • 1 month later...

Hi everyone.

 

I have any ongoing saga with a insurance company (car) to which I have a thread ongoing in the insurance group. I have now come to this group whereby hopefully someone could advise.

 

I will try and keep it brief. I have logded a complaint with the FOS over how this co have failed to deliver what they have been paid for. On 10th June I receive a letter from them informing me that this account is now on hold for 20 working days which I calulate to be until 7.7.08. However 3rd July they send my daughter a letter stating that she owes over £1k for outanding insurance premiums they intend to go to her bank and take this or they will pass onto a DCA.

 

My questions are as this is in dispute surely they can not do this?

 

What do I write back to these as I am not refusing to pay to awaiting the outcome from FOS?

 

Your help would be much appreciated.:(

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Hi Moneydragon,

 

A bit more details would be needed,

 

are the trying to enforce an oustanding balance?

 

or is a dispute with an ongoing paid account?

 

 

idax

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Hi IdaInFife

 

It was for outstanding DD for a car insurance policy. My daughter had a non fault accident to which her car has been written off and cut a long story short they have failed to do anything. The co asked for my daughters insurance certificate back this she thought they had cancelled and cancelled her DD now they want payment in full.

 

Because of the disgusting service etc she logged a complaint with the FOS which is ongoing and the only thing this company do is chase for their money.

 

She is still awaiting the outcome from FOS and the insurance so have now written to her stating that if she fails to pay this outstanding amount by 10.7.08 they will use her card and just take the money or pass onto dca.

 

I need someting to bat back as this account is in dispute so to stop them stealing her money:confused:

 

Thanks for your time

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Sorry to bump - but can anyone please advise. I am getting desperate as these people say come 10.7.08 they will just go ahead and take the money:)

 

How do they plan to 'take' the money?

 

Is it a direct debit? In which case ring your bank and cancel it and (very important) at the same time write to confirm the cancellation.

 

Is it by deduction from your credit card? In which case ring the credit card company cancelling any authority they might have to do this. Again it is important to confirm this in writing.

 

In each case if you don't get in first then the payment request will hit your account and go through if there is sufficient in the account. If there isn't and the payment request is 'bounced' you will be charged. Hence you have to make sure the authority of whatever form is cancelled before the payment request is attempted.

 

Incidentally who is the insurance company or is it a broker?

I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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Thanks for your reply palomino - they intend to use the card that my daughter originally used to set the DD up. The DD has been cancelled a while back and she has now blocked her current card and is being issued with a new one.

 

Below is my thread re the problems that my daughter has been having and to date no payout has been made the only thing the insurance company are interested in is getting money and not acting on my daughters behalf.

 

She is not saying that she wont pay it is that until this dispute is resolved with the FOS no payment will be made and this is what I want to bat back but dont know what I should quote.

 

http://www.consumeractiongroup.co.uk/forum/insurance-assurance-companies/138425-advice-please-car-insurance.html

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ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

I am in receipt of you letter dated xx/xx/xx and to which the contents have been noted.

 

I am somewhat concerned that I had received your letter dates xx/xx/xx as you are fully aware that this account is in dispute and there is currently an investigation by the FSO regarding this account.

 

Whilst this account is in dispute it would be deemed unfair for you to try and collect payment until the FOS have completed there investigation and delivered their replies and if you persist on contacting me for payment I will contact the FOS to report your actions.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter. I look forward to hearing from you in writing.

Yours faithfully

 

 

Or there abouts

 

 

idax

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  • 4 months later...

Hi

 

Back in 2007 I ran in the back of a vehichle which was due to my brakes being vandalised and everything was dealt with via my insurance company until today when I received an unsigned letter from NIG stating:

 

It is unfortunate that it is now necessary to contact you directly. Despite corresponding with your insurance company requesting reimbursement of the cost of our claim, we have not received payment.

We have now informed your insurers that if payment is not received within the next 14 days it is our intention to pass the file to our nominated solicitors who will commence legal preceedings. As we are holding you responsible for this accident, these proceedings will be issued in your name at the above address.

You should be aware that such proceedings will also include a claim for costs and statutory interest.

We strongly suggest that you contact your insures to resolve the delay of our claim, if litigation is to be avoided.

Please can someone help me out here:(

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This is worrying. I suggest you should make a photocopy of the letter and send it to whoever was your insurer at the time of the accident in 2007, and them ask what is happening.

 

Was the vandal ever caught? If so, then the costs may ultimately be recovered from them.

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