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    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
    • he Fraser group own Robin park in Wigan. The CEO's email  is  [email protected]
    • Yes, it was, but in practice we've found time after time that judges will not rule against PPCs solely on the lack of PP.  They should - but they don't.  We include illegal signage in WSs, but more as a tactic to show the PPC up as spvis rather than in the hope that the judge will act on that one point alone. But sue them for what?  They haven't really done much apart from sending you stupid letters. Breach of GDPR?  It could be argued they knew you had Supremacy of Contact but it's a a long shot. Trespass to your vehicle?  I know someone on the Parking Prankster blog did that but it's one case out of thousands. Surely best to defy them and put the onus on them to sue you.  Make them carry the risk.  And if they finally do - smash them. If you want, I suppose you could have a laugh at the MA's expense.  Tell them about the criminality they have endorsed and give them 24 hours to have your tickets cancelled and have the signs removed - otherwise you will contact the council to start enforcement for breach of planning permission.
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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.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

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Insurance/Assurance Companies


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How is it that these rotters can take away maturity bonuses on policies that are for fewer than 25 years mines 20/

 

Have always had some form of savings, but this one takes the biscuit its made a difference of over £5k.

 

Has anyone ever taken the rogues to court for mis-sold policy ?

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If you are talking about an endowment policy then the answer is YES, people have taken Insurance Companies to Court.

 

It all depends on how you were sold the policy, some agents/representatives were guilty of mis-selling these policies and guaranteed the maturity bonus based on past performance.

 

When it looked like your policy was not going to achieve the forecasted bonus you should have received RED letters from your insurers advising you of this and also your right to complain.

 

There are time limits for complaints to be regsistered in, but equally there were strict rules about informing policyholders.

 

Can you give us some more information on exactly what type of policy you had/have and what you were told

 

Mossy

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Nice to see you Mossy. Are you back with us? I think a million caggers will be very pleased to hear that.

 

New me, please tell us what you have in writing, Mossy and I will do our best to help.

 

My best, HB

Illegitimi non carborundum

 

 

 

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Nice to see you Mossy. Are you back with us? I think a million caggers will be very pleased to hear that.

 

New me, please tell us what you have in writing, Mossy and I will do our best to help.

 

My best, HB

 

Yeah I'm back 8-)

 

(But I think this is more your area than mine)

 

Mossy

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I love these forums, everyone is so knowledgeable.

 

Precis on the problem

 

Our joint life insurance matured on 1st April this year and I was assigned it in the divorce settlement.

 

We were sold it in 1989 by our Agent who came with his manager to see my ex and I in our home. We had some small policies taken out over time and decided to take out the 20 year endowment with profits. Oh they showed us various tables with different rates of interest and told us about the maturity bonus.

 

Because of the divorce lots of things went wong with the policy like they "lost my address" 3 times and made the policy paid up withoug my knowledge. I had to SAR them to get all the details because I had so many different stories.

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It all comes down to how you were sold this policy, in recent years a lot of people complained because the agent/representative who sold the policy used examples of past performance to guarantee the maturity or terminal bonus, if you were led to believe that it would pay out a guaranteed sum then you have a case.

 

Don't build your hopes up when I say you have a case, you will have a fight on your hands.

 

The next thing you need to establish is if your claim is now time barred, insurance companies were given strict deadlines to inform all policyholders whose policies looked like it would not achieve the forecasted payout, and likewise policyholders who thought they had being mis-sold a policy had strict deadlines in which to register a claim. Anything outside this limit is time barred.

 

The insurers had a duty to write RED letters, basically they had to make the warning prominant and in red so it stood out, and they also had a further duty to write to policyholders advising them that the time barred limit was only 6 months away (at the appopriate time).

 

So the next question for you is did you receive any RED letters, and can you expand/elaborate on your statement that they 'lost' your address.

 

Mossy

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Hello again. I agree with Mossy.

 

Have you kept all your own paperwork on this policy and do you have anything in writing to say the additional maturity bonus was guaranteed? In my day, they never were and the illustration was meant to show that.

 

They may ask why you didn't realise premiums were unpaid, so it might be could to have your answer ready.

 

HB

Edited by honeybee13
clarity.

Illegitimi non carborundum

 

 

 

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Have you kept all your own paperwork on this policy and do you have anything in writing to say the additional maturity bonus was guaranteed? In my day, they never were and the illustration was meant to show that.

 

 

That's the crux of the arguments, the fact that maturity bonuses were NOT guaranteed and illustrations were simply showing how they had performed in past years, but quite a lot of agents used them wrongly and led the customer to believe that the illustrations were what they would get at maturity.

 

Mossy

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