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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Norwich union playing funny?


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Hi there im looking for a bit of advice but Im new to the forum so, please, be gentle :)

 

I am insured via norwich union however my policy expirse on the 28th march 2009.

 

In december 2008 one of the named driver on my car insurance policy was involved in a 'bump'. I wasnt present when it happened but the circumstances surrounding it were;

 

He was driving on a duel carrigeway inside lane round a bend, car broken down in the inside lane so he slows down to wait for the cars on the outside lane to pass. One of these cars slows down to let my car out however 3rd car going to fast doesnt brake and ploughs into the back of the second car which in turn forces the into my car (my car still in the inside lane having not moved).

 

Anyway, no injuries, police werent called (I wasnt happy with that), details exchanged and everyone went on their way (the car that crashed into the back of car 2 was undrivable).

 

So i inform insurance right away, they take my car away give me a courtesy car while mine is repaired. I get a letter on the 30th december stating that my insurance company 'hold the 3rd party fully liable'.

 

My car is repaired on at the end of january however Im told I have to pay £350.00 excess. Im basically told I have no choice in the matter so i pay it being assured that Ill get it back.

 

I spoke to Norwich Union today again who state that the 3rd partystill has not admitted liability and have until the 3rd week in march to do so or the file will be sent to norwich union solicitors.

 

Ok, lol, my questions are:

 

1. Should I have paid the excess even though my insurance company have said im not liable?

2. Is this a normal time scale when the other party doesnt admit liabillity?

3. Is it possible that norwich union are 'holding off' until after my renewal as basically they have me by the 'short and curlies'?

4. If the other party finally accepts liability - will i still lose my 2 years no claims bonus?

5. Ive made a complaint already and today recieved a response of:

"I can confirm that your claim has been poorly handled and i can only apologise for this...we will re allow the bonus on your claim while we await a descision on liabillity to ensure your renewal is not affected" - does this mean that for the moment via NU my no claims is unaffected or can i go anywhere with my no claims just now?

6. Should i refer this complaint to the chief executive officer of NU and the financial ombudsmen or is this a waste of time? have i any reason to do so? this is the first claim from any insurance ive had to make

 

thanks to anyone reading this. Im just very frustrated that I am out £350.00 which id rather get back asap.

 

thanks, replies would be appreciated

K:)

Edited by k1984
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Thats a lot of questions! lol! i'll try answer them as best i can.

 

1) yes, you pay your XS to your insurer and they in turn fix your car. They will then go about claiming your XS back from the other insurer (see point

 

2) From memory, an insurer has to give the third party insurer 6 months in which to respond to a letter regarding liablity.

 

3) No, i doubt they would do that, its more likely due to above.

 

4)No, as long as your insurers make a full recovery from the third party then your No Claims Bonus will remain intact. (Although may be reduced at renewal as claim is still ongoing but will be back-dated once liablity established)

 

5) Yes, I'd agree that NU have agreed to honour your NCB at renewal (see above). As to whether that just applies to them or whether you can use it elsewhere or not, you'd really have to speak to them to ask. It sounds like its just a goodwill gesture so may only apply if you renew with them as technically they "could" still not get a recovery from the other insurer. either way it cant hurt to ask.

 

6) No, i wouldn't bother taking it to that stage yet. NU have already dealt with the complaint and have offered you a gesture of goodwill by allowing your bonus at renewal, everything else is just a case of following guidelines. I cant see any reason why you wont get your XS back, its just a case of sitting tight for the moment and letting things sort themselves out.

Calling NU occasionally and giving them a nudge to get a wriggle on wont hurt though! :p

 

Hope this helps

 

 

D.A

Edited by Darkangelsdelite
shocking spelling! D'oh!

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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