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    • One other point to note, the more I read, the more I study, the more proficient I feel I am becoming in this area. Make no mistake DBCL if you are reading this, when I win in court, if I have the grounds to make any claims against you, such as breach of GDPR, I shall be doing so.
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    • the Town and Country [advertisments ] Regulations 2007 are not easy to understand. Most Council planing officials don't so it's good that you found one who knows. Although he may not have been right if the rogues have not been "controlling" in the car park for that long. The time only starts when the ANPR signs go up, not how long the area has been used as a car park.   Sadly I have checked Highview out and they have been there since at least 2014 . I have looked at the BPA Code of Practice version 8 which covers 2023 and that states Re Consideration and Grace Periods 13.3 Where a parking location is one where a limited period of parking is permitted, or where drivers contract to park for a defined period and pay for that service in advance (Pay & Display), this would be considered as a parking event and a Grace Period of at least 10 minutes must be added to the end of a parking event before you issue a PCN. It then goes on to explain a bit more further down 13.5 You must tell us the specific consideration/grace period at a site if our compliance team or our agents ask what it is. 13.6 Neither a consideration period or a grace period are periods of free parking and there is no requirement for you to offer an additional allowance on top of a consideration or grace period. _________________________________________________________________________________________________________________So you have  now only overstayed 5 minutes maximum since BPA quote a minimum of 10 minutes. And it may be that the Riverside does have a longer period perhaps because of the size of the car park? So it becomes even more incumbent on you to remember where the extra 5 minutes could be.  Were you travelling as a family with children or a disabled person where getting them in and out of the car would take longer. Was there difficulty finding a space, or having to queue to get out of the car park . Or anything else that could account for another 5 minutes  without having to claim the difference between the ANPR times and the actual times.
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Insurance Company demanding full Policy Amount after Accident


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Hi, I recently was approached by my old Insurance company demanding me to pay off the full policy due to an accident I was liable for in June. I did crash into another car and accepted fault. The accident happened a week after I had insured the car. I did sign the first document which allowed me to take out the insurance with the brokers (Performance Direct) and my insurers were Markerstudy. However I did recieve another letter outlining my payments and interest and all that which i didnt sign. Im assuming the last letter i recieved was a credit agreement.

 

Anyway they say that it is in their terms and conditions that I have to pay off my policy even if i have accident. The car was written off by themselves and they paid out £1900. They now demand £1300 back. They have also decided to take payments of £100 a week out my bank, even though i did tell them that i will seek legal advice before I give authorisation for payments to be made.

 

I've never heard of any insurance companyt to act in such way. I believe I am right in not paying back the policy right?

 

Please Help

 

Kind Regards

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Hi,

 

I'm not sure what it is you are asking. Let me see if I've got it right; You took at a motor policy with Markerstudy using an installment plan via direct debt. And you had an accident in June which you admit was your fault. The insurers have settled the claim and now you think you dont have to pay the rest of the premium? Is that correct?

 

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When you took out insurance on the car it was for a full year. The premium was payable on the day you took it out and in full. Most insurers allow you to pay monthly, but that doesn't mean you are buying insurance per month, it means you are spreading the cost of the premium over 12 months.

 

The maximum an Insurer will ever pay out is the value of the car (plus of course any third party claims etc), but once the car has been written off you have effectively used up the policy you took out and must pay the full amount, it doesnt matter whether the write off is on day 1 or day 364 of the insurance period.

 

The insurers are correct in what they are saying and asking for

 

Incidentally you have no right to with hold the instalments, and you did give authorisation to them, you did this on the day you agreed to pay by instalments.

 

Consider it this way, if you had paid the full premium on day 1 and then wrote your car off and got paid out the full value of the car do you think you could write in and ask them for a refund??????? (the answer to that, btw, is you could write in but you wouldn't get one nor are you entitled to one).

 

 

 

Mossy

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its jus that I've asked around to people who have had accidents or have been in same situation, and they say that their insurance company hasnt chased them for full premium.

 

I do understand the whole concept of paying full premium no matter what. I guess its just confusion from what i've been hearing from others.

 

Thanks for the messages anyway

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