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    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
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Life Insurance? Advice needed


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Hello

I am looking for some advice on behalf of my father. Last year he got quite ill with a puncture in his large bowel and subsequently had his intestine removed. This resulted in him spending 5 months in hospital and two weeks in the intensive care unit. Since that time he has lost quite a bit of weight but pulled through and is home and well. Last week his sister in law died at 49 following full multiple organ failure. So now at 56 hes thinking about taking out some life insurance / assurance cover so that should he die it covers his funeral costs, pays his debts and leaves some cash for his Grandchildren (8 of them).

I have told him that I doubt that he would be able to get any cover at all, but he seems to think that you can get policies that don’t involve a medical and that you can have multiple policies running eg two of them?

Does anyone know what his options are? Whats the difference between life insurance and assurance? Should you try for a straight forward policy or get a couple of the guaranteed acceptance ones? I have heard of stories where companies rip people of with policies which are worthless so I would rather he go for a sensible option given his age and condition?

Thanks

Chris

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Whats the difference between life insurance and assurance?

 

Insurance covers you against a possibility, assurance against the unavoidable.

 

No medical is one thing, but I'll bet you that they will still want to know about relevant PMH, and will exclude certain conditions.

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Thanks

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Hello

 

I am looking for some advice on behalf of my father. Last year he got quite ill with a puncture in his large bowel and subsequently had his intestine removed. This resulted in him spending 5 months in hospital and two weeks in the intensive care unit. Since that time he has lost quite a bit of weight but pulled through and is home and well. Last week his sister in law died at 49 following full multiple organ failure. So now at 56 hes thinking about taking out some life insurance / assurance cover so that should he die it covers his funeral costs, pays his debts and leaves some cash for his Grandchildren (8 of them).

 

I have told him that I doubt that he would be able to get any cover at all, but he seems to think that you can get policies that don’t involve a medical and that you can have multiple policies running eg two of them?

 

Does anyone know what his options are? Whats the difference between life insurance and assurance? Should you try for a straight forward policy or get a couple of the guaranteed acceptance ones? I have heard of stories where companies rip people of with policies which are worthless so I would rather he go for a sensible option given his age and condition?

 

Thanks

 

Chris

 

He is probably thinking of the guaranteed over 50 plans that are available - you pay for a guaranteed sum on death - and provided you live longer than 2 years then your family can claim if you die within the 2 years then you claim back some or all of the premiums paid. For example with Liverpool Victoria for £50 a month he would be guaranteed around 11500 payout - probably not the cheapest way of insuring yourself but has no medical. Loads of other companies do simialr, just know this one as it is what my dad has. 50 Plus Plan - Further Details

Consumer Health Forums - where you can discuss any health or relationship matters.

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I have never heard of them, have they got a good track record, am just worried that my dad will get ripped off by a company that either never pays out or was dodgy to start with.

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I have never heard of them, have they got a good track record, am just worried that my dad will get ripped off by a company that either never pays out or was dodgy to start with.

 

Well I don't know about paying out yet! They are old insurance company - do a search andyou will find loads thibnk sun life are another, that do over 50's

Consumer Health Forums - where you can discuss any health or relationship matters.

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thanks, i think the liverpool and victoria look like the one.

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I work for an insurance company and let me give you a little bit of advice. The chances are that if he wants a life policy he will have to fill out a medical questionaire. Make sure he puts everything down about his medical history and family medical history. Otherwise this is known as non-disclousre, a lot of insurance companies these days may not ask for a medical when taking out the policy and will not even request a doctors report at the start, however, if a claim is made, then they start looking into the medical history. If there is something mentioned on your medical notes at your doctors surgery that was there when you applied for the policy and you have not mentioned on the original application, the claim will be rejected and there is very little you can do.

 

Hope this helps.

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Yes, but would that apply of your going for an over 50 policy with guaranteed acceptance? I mean he has no reason to lie as they are guaranteeing that they will accept the policy?

 

I don’t even think that they ask any medical questions?

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Trust me it is always better to tell insurance companies everything. I have heard stories of claims for cancer being turned down because someone did not disclose a totally unreleated back problem. If in doubt tell them anyway, most of the time it does not affect the premium that much to be honest.

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Guest ian cognito

My father-in-law took out one of these plans with sun life, they don't ask for medical details and when he died they paid out with no trouble, he had leukeamia when he took out the plan.

 

Only thing is they tend to be expensive, I worked out that we got back almost exactly what he had paid in, if he had lived longer, it could have cost him a lot of money as after a while you start to lose out.

 

I can dig out the details for you if you want more info.

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Janquinny, if you could do that it would be great. Thanks

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Trust me it is always better to tell insurance companies everything. I have heard stories of claims for cancer being turned down because someone did not disclose a totally unreleated back problem. If in doubt tell them anyway, most of the time it does not affect the premium that much to be honest.

 

Thanks for the advice, i will tell them everything

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Guest ian cognito

Got it! glad I never throw anything away!

 

he took out the plan in October 1997, paid £42.00 per month, died June 2001 so he paid in over £2300 and only got £1470 back - I was wrong, thought it was closer than that, given that, probably not worth taking this out! especially for someone in their 50's with reasonable health!

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thanks for finding it for me and all the info.

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