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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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Can someone confirm that when you take out loan protection insurance that it covers you for the entire period of the loan. When i say this i don't mean that you can claim on the insurance and they have to pay it for the whole of the loan, but you can put in a claim on any day right upto the last day of the loan..?

 

I'll explain a bit more.

 

About 3 years ago now i took out a 36 month loan with Alliance Leicester paying £540 a month including insurance. Now the maximum period i could claim on the insurance within the term of the loan was upto 18 months. After two years of paying the loan i was made redundant with 12 months left to pay and put in a claim on the insurance. The claim was accepted and payments have been made. Last month was my last month of the loan. I sent the form off like i had been doing expecting the payment to be made and i'd soon receive a letter saying the loan had now been paid in full and has finished.

 

Instead of this i get a letter from the insurance saying that the payment for that month is only £480. Hmm i thought that can't be right as it should be the usual amount of £540. So i phone them up and ask why there is a shortfall in the payment. They search their systems and say that they have it on their system that my loan ends on the 22nd of the month and not the 28th, hence the shortfall in the payment. I ask how they have that on their system and they say it's from the bank and to call them. Sooo i call the bank whom say that my loan insurance ends on the 22nd and my loan ends on the 28th. Hang on i said to the guy, when i took the insurance i took it out for the entire period of the loan not 35 months + 3 weeks, it was to cover every payment etc. This is when he starts to get a bit argumentive and says i have to call the insurance company and get them to sort it. Hang on i said no i am not going to do this as it's your system that has told them the insurance ends before the loan so it's a !!!! up your end. Anyway the argument get a bit heated and he insists i owe the shortfall and have to pay it. I flatly refuse and say no way the insurance covers it. Anyway after a stalemate he says he is going to escalate it and someone will call me back.

 

Can you guys confirm that the insurance should pay in full as it can be claimed on at any time within the entire period of the loan.

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Welcome to the site aj.

Will move this thread for a better response.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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The normal agreement for PPI covers the entire length of the loan.I would assume that you do not have a copy of the original agreement and the PPI terms and conditions,you could obtain all these details by asking for SAR,cost £10 and send recorded and ask for specific items,(1) copy of the agreement,(2) Copy of PPI agreement along with terms and conditions,and copies of all statements and all data held concerning the loan.As I read it the amount in dispute is £60,I would like to think that the bank and or the insurance company (is the insurance A&L or an outside company) would agree to write this of as there is an error on both their parts..................Perhaps before you SAR a letter to both parties suggesting the amount is written of due to an administration error.....see what happens/////FS

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