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    • @unclebulgaria67 your point is particularly valid especially in regards to loss in the event of a claim. Irrespective of 2x SP30’s or not the vehicle is insured for its full market value. The insurers rating changes based on risk against those endorsements, where said risk calculation isn’t made available.    Also I question the validation of 22% in premium. Is that based on today’s risk profiling, or is that applied retrospectively to day 1 and can that be evidenced.    One thing that is very clear, is that to bring about any degree of misrepresentation the insurer has to have evidence that questions were asked in regards to the endorsements.   This was an auto renewal and when I’ve checked the Brokers electronic Copy on “My Policy’ at renewal, there is no section included relative to accidents in the last 5 yrs or Motoring convictions. Everything else relative to me and the named driver is listed. 
    • Here is what exposes Johnson & Co Commission document, makes for sober reading   Wonder if Snake Oil Singham has read and digested it?   https://ec.europa.eu/info/sites/info/files/brexit_files/info_site/com_2020_324_2_communication_from_commission_to_inst_en_0.pdf
    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
    • Moorcroft are just a first DCA that Natwest use, after Natwest have stopped chasing it.   The debt is still owned by Natwest and is currently sat with Moorcroft, but in a pile with many thousands of others.   If your new postal address is showing on your credit file, Moorcroft would have sent letters if they thought this was a priority debt to chase.     
    • We signed up to a credit reference agency.  Got an email this morning saying a search had been carried out in my husband’s name.  It’s by Moorcroft who are doing it on behalf of NatWest. Do we worry?  It’s been over 6 years since last payment and we wrote to NatWest in January advising of our new address.  They and Moorcroft both emailed an old email address which we have access to but never use asking us to confirm our address.  We didn’t respond to it.
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    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
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    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
       
      I put a few things in my trolley and then did a shop.
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      No excuse.
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    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
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jeaxton

Fine but not markings on the road?

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Hi, would appreciate some advice please. Got a parking fine because I had parked longer than permitted. But I was hemmed in and couldn't get out. The authorities sent a photograph and to me it confirmed I was hemmed in, but they say that I could have moved. The parking area has no road markings indicating parking spaces, and even though I mentioned this, they have ignored this fact and will no longer correspond with me. Thanks

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Pictures and a scan of the ticket please

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Thanks. Pictures and scan attached.back-photo.jpg

 

front-photo.jpg

 

pcn.jpg

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Too small host on a site such as tinypic.com and then post links its much easier.

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There does seem to be a white line outside of the vehicle are you sure there are no bay markings? If you are local a photo of the street and the road sign would be helpful.

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Hi and thanks. There are markings on the right hand side of the vehicle, but definitely no markings separating bays.

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Surely, you don't need individual bay markings for a bay corresponding to diag 1028?

 

However, looking at the photos that have been provided, I would say that you will have a hard time arguing that you could not driven out of that gap. Reversing with a left hand lock as far as the rear car allows, then right hand locking to move forward would have easily got you out of that, proabably in two moves judging from the amount of space in front and back of the car. Judging by the fact that at the angle that the photo was taken you can see the far corner of the car I would estimate that you had between 18 and 20 inches at the front of the car and the same behind.


MBNA - Agreed to refund £970 in full without conditions. Cheque received Sat 5th Aug.:D

Lloyds - Settled for an undisclosed sum.:D

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I thought you said you were 'hemmed in'. I could get that red van out and I know Crem could too.

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I thought you said you were 'hemmed in'. I could get that red van out and I know Crem could too.

 

haha well I was going to claim I could but I see you beat me to it wheelergeezer.

 

The van should come out of there in one go and I'm sure if I saw a gap of that size I'd be more than happy to grab it for myself if no-one else wanted it. :)

 

As a rough guide, a gap of 1 1/2 times your car length should be "comfortable". A gap of 1 1/4 times your car length is getting tight but should be "do-able".

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Thanks for your opinion and advice. I couldn't open the back door of the van!

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Thanks for your opinion and advice. I couldn't open the back door of the van!

 

Although it doesn't look that tight behind the van to open the doors from the pics, you appear to have about 3 foot in front of the van allowing you to roll slightly forward and have plenty of room to then sort out at the back.

 

Anyway, our opinion doesn't really matter, it would seem that the council have already made a similar judgement which has led to the rejection. I am not sure an adjudicator would see it differently but you could try.

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Oh dear, I think you guys are just too smart for me. Came on here to get some advice i.e. I don't know what a diagram 1028 is!! And it also shows that unless you take the photograph yourself, it is not going to show the real situation.

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You said you were "hemmed in". The photos show you clearly aren't and there's enough room to get out of the space. You then change your mind to say the problem is you can't get your back doors open. How does that equate to bing "hemmed in"? You came to ak for help and opinions. Just because they don't agree with your point ofview, doesn't make them wrong.

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