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    • . I'm sorry but this is not correct. There is a very long established rule that you are required to exercise utmost good faith (uberrima fides) when becoming a party to any kind of insurance contract. This means that you have quite a strict duty to accept responsibility for disclosing any information which a reasonable person in your position might understand could materially affect the risk. I can imagine that the interpretation of this rule would not be applied quite so strictly to a very new and young driver – but the more that one has been driving and the more insurance policies one has held, then I think that the stricter  this rule becomes. It is also well established that one can misrepresent something simply by withholding information – by silence. I'm sorry to say that I think that this rule and the value of it is so self-evident that it is scarcely worth discussing. I wouldn't start raising this issue if I were you with insurers or the courts because you will come away with a bloody nose and loss of credibility
    • @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.     
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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.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
       
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
       
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
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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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I wonder if someone could help me with some advice please?

 

I have recently been issued with a Parking Notice Charge by a private company for £60 because my car was parked in a car park which until fairly recently was free to anyone.

 

Apparently it is now for permit-holders only.

 

The driver of the car did not notice any signs - until seeing the notice on the windscreen. However, there are plenty of signs around, and they are prominent, they just hadn't noticed them because they weren't expecting them and had parked at the site for years.

 

The car was only parked there for about half-an-hour.

 

I have read lots of advice on this site from people saying don't pay but what defence have I and the driver got because the signs are very visible?

 

Thanks in advance for any help.

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You are the registered keeper? And someone else was driving.

A contract can only exist between the driver and the ppc so it’s up to the ppc to find the driver and discuss THEIR problem with them. You are under no obligation to inform the ppc who was driving.

99% of the good advice is to ignore everything they send you. Just like I do!

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So if the signs said £10,000, not £60, would that make a difference?

 

Charge is unenforceable, even if they had a 60 foot billboard.

 

Ignore everything. Do not contact them.

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Ignore them. It is a [problem]. Do not contact and/or try thier 'appeals' system (if you had been thinking that of course :rolleyes:). PPCs will never turn away cash so your appeal will be rejected. If you ignore they will pass your invoice to a DCA who will send you a number of letters ('threatograms') claiming they will do all sorts. Do not be fooled by this. You may even have a letter(s) from a 'Solicitor' (the person on the next desk with a different letterhead in reality!). They will disappear after 4-5 letters. :)


If you believe that this post has helped in any way please click on the star to the left

 

DDWales Vs Barclaycard-*Won* http://www.consumeractiongroup.co.uk/forum/barclaycard/174860-ddwales-barclaycard.html

DDWales Vs Natwest-*Won*

http://www.consumeractiongroup.co.uk/forum/natwest-successes/210090-ddwales-natwest.html

 

-Reclaim the Right-

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Many thanks for the advice.

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So UKCPS have no legal right to charge me £60 or any further costs? Have to admit I am nervous about doing nothing!

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I can confirm this thread and subsequent court threat is valid and ongoing. Am happy to keep everyone updated with the outcome but at this stage don't want to go into it further (as most of it is on this thread anyway, I am in the middle of the acknowledgement period and I don't wnat to further damage my case!)

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Ive just been reading the county court claim thread. Would it be possible for aworriedmotorist to give an update on progress, obviously not going into too much detail for the trolls to pick up on?

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