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    • Excellent news! Thread title updated. Please do consider a donation in light of the help received here. The help we give is free, but try telling that to our server hosts!
    • Hello dx100uk, After months of waiting for a response I finally got a reply and I must say it was the worst 4 months of my life the - fear of the unknown. So, they wrote back and said I was in the wrong BUT on this occasion they  would not take action but keep me on file for the next 12 months. It. was the biggest relief of my life a massive weight lifted -  I would like to thank you and the team for all your support
    • I have contacted the sofa shop who are sending someone out tomorrow to inspect the furniture. I suspect if anything a replacement will be offered although I would prefer a refund. Few photos of the wear in the material, this is how it was delivered.  
    • Yup, for goodness sake she needs to stop paying right now, DCA's are powerless, as .  Is it showing on their credit file? Best to use Check my file. All of the above advice is excellent, definitely SAR the loan company as soon as possible.
    • Hi all, I am wandering if this is appealable. It has already been through a challenge on the Islington website and the it was rejected. Basically there was a suspended bay sign on a post on Gee st which was obscured by a Pizza van. The suspension was for 3 bays outside 47 Gee st. I parked outside/between 47 & 55 Gee st. I paid via the phone system using a sign a few meters away from my car. When I got back to the car there was a PCN stuck to the windscreen which I had to dry out before I could read it due to rain getting into the plastic sticky holder.  I then appealed using the Islington website which was then rejected the next day. I have attached a pdf of images that I took and also which the parking officer took. There are two spaces in front of the van, one of which had a generator on it the other was a disabled space. I would count those as 3 bays? In the first image circled in red is the parking sign I read. In the 2nd image is the suspension notice obscured by the van. I would have had to stand in the middle of the road to read this, in fact that's where I was standing when I took the photo. I have pasted the appeal and rejection below. Many thanks for looking. ----------------------------------------------------------------------- This is my appeal statement: As you can see from the image attached (image 1) I actually paid £18.50 to park my car in Gee st. I parked the car at what I thought was outside 55 Gee st as seen in image 2 attached. When I read the PCN issued it stated there was a parking suspension. There was no suspension notice on the sign that I used to call the payment service outside number 55 Gee st. I looked for a suspension notice and eventually found one which was obscured by a large van and generator parked outside 47 Gee st. As seen in images 3 and 4 attached. I am guessing the parking suspension was to allow the Van to park and sell Pizza during the Clerkenwell design week. I was not obstructing the use or parking of the van, in fact the van was obstructing the suspension notice which meant I could not read or see it without prior knowledge it was there. I would have had to stand in the road to see it endangering myself as I had to to take images to illustrate the hidden notice. As there was no intention to avoid a parking charge and the fact the sign was not easily visible I would hope this challenge can be accepted. Many thanks.   This is the text from the rejection: Thank you for contacting us about the above Penalty Charge Notice (PCN). The PCN was issued because the vehicle was parked in a suspended bay or space. I note from your correspondence that there was no suspension notice on the sign that you used to call the payment serve outside number 55 Gee Street. I acknowledge your comments, however, your vehicle was parked in a bay which had been suspended. The regulations require the suspension warning to be clearly visible. It is a large bright yellow sign and is erected by the parking bay on the nearest parking plate to the area that is to be suspended. Parking is then not permitted in the bay for any reason or period of time, however brief. The signs relating to this suspension were sited in accordance with the regulations. Upon reviewing the Civil Enforcement Officer's (CEO's) images and notes, I am satisfied that sufficient signage was in place and that it meets statutory requirements. Whilst I note that the signage may have been obstructed by a large van and generator at the time, please note, it is the responsibility of the motorist to locate and check the time plate each time they park. This will ensure that any changes to the status of the bay are noted. I acknowledge that your vehicle possessed a RingGo session at the time, however, this does not authorize parking within a suspended bay. Suspension restrictions are established to facilitate specific activities like filming or construction, therefore, we anticipate the vehicle owner to relocate the vehicle from the suspended area until the specified date and time when the suspension concludes. Leaving a vehicle unattended for any period of time within a suspended bay, effectively renders the vehicle parked in contravention and a Civil Enforcement Officer (CEO) may issue a PCN. Finally, the vehicle was left parked approximately 5 metres away from the closest time plate notice. It is the responsibility of the driver to ensure they park in a suitable parking place and check all signs and road markings prior to leaving their vehicle parked in contravention. It remains the driver's responsibility to ensure that the vehicle is parked legally at all times. With that being said, I would have to inform you, your appeal has been rejected at this stage. Please see the below images as taken by the CEO whilst issuing the PCN: You should now choose one of the following options: Pay the penalty charge. We will accept the discounted amount of £65.00 in settlement of this matter, provided it is received by 10 June 2024. After that date, the full penalty charge of £130.00 will be payable. Or Wait for a Notice to Owner (NtO) to be issued to the registered keeper of the vehicle, who is legally responsible for paying the penalty charge. Any further correspondence received prior to the NtO being issued may not be responded to. The NtO gives the recipient the right to make formal representations against the penalty charge. If we reject those representations, there will be the right of appeal to the Environment and Traffic Adjudicator.   Gee st pdf.pdf
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urgent help please-Had an accident in Courtesy Car


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Need urgent help with regards to courtesy cars.

it's a long story but i will try to brief it as much as possible. our 53 plate peogot went in to garage for repairs for which the third party's insurance was paying for, it was a local small size garage.

My wife asked how long it will take them to get our car ready to which they said 4 to 5 days but my wife said to them that i go to work and i will need a car. this owner of the garage who was dealing with us went inside and gave keys to my wife for M reg Golf. This was our first experienced in this kind of a garage befor we always went to dealers. so she tooke the keys and went to work. second day she had an accident and it her fault too. We told the garage guy as to what happend who advived us to go to our insurance company and talk to them. We went to our insurance who told us that they cant do anything but we should go back to garage as it was a courtesy car owend by garage.

In the mean time MIB got involved as they classed my wife as uninsured driver. We told them the whole storey and they wrote to the garage who denied to give any details. I got my own solicitor to write to garage to disclose their insurance details to us, as we have found out that garage does have a traders policy but they just not replying. Last week MIB sent me their solicitor who intend to recover over 29000 thousand pounds and told us that because she was the driver of the car, its her resposibility and she will have to take responsibility. Since last week we have lost our sleep, plaese someone help.

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What is this £29,000 they are intending to recover?

 

Was the car being driven on the garage policy or on your wifes? If it was on your wifes, then unless she is full comp, she won't be insured, and if she is fully comp, then it will be only basic third party so she won't be able to claim anyway, so that leaves the garage insurance.

 

Whatever she hit, (the third party) should be able to claim on her insurance if she was only covered third party.

 

An M reg Golf does not have that much value, so if you do have to pay, you would probably be better off buying another Golf to give to the garage in place of the damaged one and keeping the damaged one and selling it as spares to at least get something back.

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I would imagine you would have Fully comp on a 53 peugeot, so you will be covered for driving the loan car on third party cover; however my experince says as a loan car the garage would also have an any driver policy so that would take precedence and that should cover it. Normally whan taking a loan car you sign a document to say you will cover any excess due resulting from an accident. if nothing signed then you will not have to pay that.

Put in an accident notification ( not a claim at this stage ) to your own insurers ( accidet details etc. ) and send a copy to the garage for them to pass on to their insurers.

Forward all correspondance you recieve on to your insurers unanswered and let them advise you and deal with it.

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Hi Conniff, Thanks very much any advise is helpful at this time, the issue is not with the M reg golf car that is only worth 4 to 5 hundred pounds.the 29000 bill is sent to us by MIB(motor insurance burue who have paid to the third party as my wife was at fault and recognised by MIB as uninsured driver because neither our insurance or the garage was accepting the claim under their insurance.

secondley i had a fully comp. on our own car which was under repair with the garage and my wife is the named driver in the policy.

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HI RAY,

yes i have fullu comp.but my wife is a name driver and i am the policyholder. my insurance just said that because it was a courtesy car it should be covered by the garage because they are the owner of the courtesy car(golf). i have put alot of pressure to the garage but they would not give me their insurance policy and since then i have found out that the garage does have a trader policy in place. we did not sign any documents secondly about the notification, i have been through that process but my insurance is not even willing to get involve as they say that this car has nothing to do with them.

Also you mentioned about the loan car, is there any difference in the courtesy and loan car (as i dont want to make a technical mistake in using the words as they might have different meanings in insurance law).

someone advised me to take the garage to the court and they will force the garage to disclose the insurance details. do you think is it the right way to go about.i have written enough letters to garage myself and through solicitors but no luck. thanks

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Ok correct your wife will not be covered by your insurance and I now suspect not on the dealers insurance, however it would have reasonable to expect that it was insured or they would have told you take out your own insurance!

The MIB would be able to check if and who insured the car I would of thought?

You may have to take legal advice on trying to get the dealer, or his insurers, who made the car available to bear the claim through their not telling you about the insuance situation; then again they may say you should of asked!

Some dealers/garages do in fact ask you to pay for the insurance during the loan period.

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Yes ray spoke to mib sols and they said you do what you have to do to recover your money or get them to disclose the their trader insurance details.as the garage has not been responding, i have decided to take them to court. so issued them a LBA yesterday giving them 7 days to disclose their insurers.

hopefuly if they still not reply then going to submite the N1 form to start the proceeding.

Will keep you updated.

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