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    • I can only speak from personal experience. But a similar thing happened to me. Seriously dented door.  I made the other insurance pay. They regarded it as a write off. Took the money, replaced the door. Never heard anything more about it.    Except clearly someone sold my details to claims company, because I got loads of calls in bad English for a few month's 
    • The incident was 03rd March 2024 - and that was the only letter that I have received from MET 15th April 2024 The charge I paid was at the Stansted Airport exit gate (No real relevance now - I thought this charge was for that!!).   Here is the content of email to them (Yes I know I said I was the driver !!!!) as said above -  I thought this charge was for that!! "Stansted Airport" Dear “To whom it may concern” My name is ??  PCN:  ?? Veh Reg: Date of Incident: 03rd March 2024 I have just received a parking charge final reminder letter, dated 10th April 2024 - for an overstay.  This is the first to my knowledge of any overstay. I am aware that I am out of the 28 days, I don’t mean to be rude, this feels like it is a scam My movements on this day in question are, I pulled into what looked like a service station on my way to pick my daughter and family up from Stansted airport. The reason for me pulling into this area was to use a toilet, so I found Starbucks, and when into there, after the above, I then purchased a coffee. After which I then continued with my journey to pick my daughter up. (however after I sent this email I remember that Starbucks was closed so I then I walked over to Macdonalds) There was no signs about parking or any tickets machines to explains about the parking rules. Once at Stansted, I entered and then paid on exit.  So Im not show where I overstayed my welcome.. With gratitude    
    • Just to enlarge on Dave's great rundown of your case under Penalty. In the oft quoted case often seen on PCNs,  viz PE v Beavis while to Judges said there was a case for claiming that £100 was a penalty, this was overruled in this case because PE had a legitimate interest in keeping the car park free for other motorists which outweighed the penalty. Here there is no legitimate interest since the premises were closed. Therefore the charge is a penalty and the case should be thrown out for that reason alone.   The Appeals dept need informing about what and what isn't a valid PCN. Dummies. You should also mention that you were unable to pay by Iphone as there was no internet connection and there was a long  queue to pay on a very busy day . There was no facility for us to pay from the time of our arrival only the time from when we paid at the machine so we felt that was a bit of a scam since we were not parked until we paid. On top of that we had two children to load and unload in the car which should be taken into account since Consideration periods and Grace periods are minimum time. If you weren't the driver and PoFA isn't compliant you are off scot free since only the driver is liable and they are saying it was you. 
    • Thank you dx. I consider myself well and truly told :) x Thank you dx. I consider myself well and truly told :) x
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      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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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Natwest PPI - how long?


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I took a personal loan with Natwest in 2005, and Insurance to cover. Circumstances prevailed that we were unable to maintain payments, so we relied on the insurance to make these for us as we qualified under the terms of the insurance.

 

Payments have been made for many, many months.

 

There was one little glitch when we sent off the required information, but the insurers failed to inform us that it did not entirely meet their needs, stopped paying, and failed to inform us of the reason. This was rectified by provision of further information once we became aware of the reason for cessation of payment, and the arrears were paid.

 

Now a Solicitor (Debt Collector) has written to us saying that the insurance cover we purchased on the loan does not cover the full term of the loan, only the first 60 months. It was a loan taken in Feb 2005, with last payment due Feb 2012. I suppose that makes it a 7 year loan, with a total of 84 monthly payments, of which the insurance have made some 54 payments, and state that their policy only allows for 60 payments in total.

 

However, I have obtained copy of the terms and conditions of the insurance on the loan, which clearly state that full cover remains in place for 120 months - or 120 payments - or until the loan is paid in full.

 

The Solicitor (Debt Collector) is asking what arrangements I will put in place once the insurance cover expires, and I am arguing that the insurance covers the whole period of the loan. Very recent correspondence from the insurers seems to confirm the date the loan was taken (Feb 2005), and that cover continues for 120 months.

 

It is a little worrying, can insurers deny cover even though the certificate they supply covers the more than the entire period of the loan, and does not state any maximum number of monthly payments they will make in their terms and conditions?

 

Can anyone help with advice?

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sorry i'm confused

you say you have a t&c that says the entire loan is covered yet the insurers are now saying just 60? then you say there is no max number on te t&c?

 

even the 120mts will cover it totally if it was only for 84mts?

 

am i missing something...why are the dca in sheeps clothing as a solicitor chasing you ?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks dx100uk for replying.

 

It is confusing isn't it. I asked the insurance provider for copy of the certificate itself, and the terms and conditions. They did not supply the certificate, just a letter confirming the amount of the original loan and dates. Taken feb 2005, repayments continue till feb 2012. Also enclosed was copy of the terms and conditions, which does not state the max number of payments allowed, and also states that cover remains in place for 120 months, even though, as you spotted, the loan was over 84 months only.

 

Wheels60

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so if it states no limit, where is this 60 coming from

 

i think you need to scan em up

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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