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    • Northmonk forget what I said about your Notice to Hirer being the best I have seen . Though it  still may be  it is not good enough to comply with PoFA. Before looking at the NTH, we can look at the original Notice to Keeper. That is not compliant. First the period of parking as sated on their PCN is not actually the period of parking but a misstatement  since it is only the arrival and departure times of your vehicle. The parking period  is exactly that -ie the time youwere actually parked in a parking spot.  If you have to drive around to find a place to park the act of driving means that you couldn't have been parked at the same time. Likewise when you left the parking place and drove to the exit that could not be describes as parking either. So the first fail is  failing to specify the parking period. Section9 [2][a] In S9[2][f] the Act states  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; Your PCN fails to mention the words in parentheses despite Section 9 [2]starting by saying "The notice must—..." As the Notice to Keeper fails to comply with the Act,  it follows that the Notice to Hirer cannot be pursued as they couldn't get the NTH compliant. Even if the the NTH was adjudged  as not  being affected by the non compliance of the NTK, the Notice to Hirer is itself not compliant with the Act. Once again the PCN fails to get the parking period correct. That alone is enough to have the claim dismissed as the PCN fails to comply with PoFA. Second S14 [5] states " (5)The notice to Hirer must— (a)inform the hirer that by virtue of this paragraph any unpaid parking charges (being parking charges specified in the notice to keeper) may be recovered from the hirer; ON their NTH , NPE claim "The driver of the above vehicle is liable ........" when the driver is not liable at all, only the hirer is liable. The driver and the hirer may be different people, but with a NTH, only the hirer is liable so to demand the driver pay the charge  fails to comply with PoFA and so the NPE claim must fail. I seem to remember that you have confirmed you received a copy of the original PCN sent to  the Hire company plus copies of the contract you have with the Hire company and the agreement that you are responsible for breaches of the Law etc. If not then you can add those fails too.
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    • I understand what you mean. But consider that part of the problem, and the frustration of those trying to help, is the way that questions are asked without context and without straight facts. A lot of effort was wasted discussing as a consumer issue before it was mentioned that the property was BTL. I don't think we have your history with this property. Were you the freehold owner prior to this split? Did you buy the leasehold of one half? From a family member? How was that funded (earlier loan?). How long ago was it split? Have either of the leasehold halves changed hands since? I'm wondering if the split and the leashold/freehold arrangements were set up in a way that was OK when everyone was everyone was connected. But a way that makes the leasehold virtually unsaleable to an unrelated party.
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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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