Jump to content


  • Tweets

  • Posts

    • Thanks for all the suggestions so far I will amend original WS and send again for review.  While looking at my post at very beginning when I submitted photos of signs around the car park I noticed that it says 5 hours maximum stay while the signage sent by solicitor shows 4 hours maximum stay but mine is related to electric bay abuse not sure if this can be of any use in WS.
    • Not sure what to make of that or what it means for me, I was just about to head to my kip and it's a bit too late for legalise. When is the "expenditure occured"?  When they start spending money to write to me?  Or is this a bad thing (as "harsh" would imply)? When all is said and done, I do not have two beans to rub together, we rent our home and EVERYTHING of value has been purchased by and is in my wife's name and we are not financially linked in any way.  So at least if I can't escape my fate I can at least know that they will get sweet FA from me anyway   edit:  ah.. Sophia Harrison: Time bar decision tough on claimants WWW.SCOTTISHLEGAL.COM Time bar is a very complex area of law in Scotland relating to the period in which a claim for breach of duty can be pursued. The Scottish government...   This explains it like I am 5.  So, a good thing then because creditors clearly know they have suffered a loss the minute I stop paying them, this is why it is "harsh" (for them, not me)? Am I understanding this correctly?  
    • urm......exactly what you filed .....read it carefully... it puts them to strict proof to prove the debt is enforceable, so thus 'holds' their claim till they coughup or not and discontinue. you need to get readingthose threads i posted so you understand. then you'll know whats maybe next how to react or not and whats after that. 5-10 threads a day INHO. dont ever do anything without checking here 1st.
    • I've done a new version including LFI's suggestions.  I've also change the order to put your strongest arguments first.  Where possible the changes are in red.  The numbering is obviously knackered.  Methinks stuff about the consideration period could be added but I'm too tired now.  See what you think. Background  1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of November 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.  Unfair PCN  4.1  On XXXXX the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) the solicitors helpfully sent photos of 46 signs in their evidence all  clearly showing a £60.00 parking charge notice (which will  be reduced to £30 if paid within 14 days of issue).  There can be no room for doubt here - there are 46 signs produced in the Claimant's own evidence. 4.2  Yet the PCN affixed to the vehicle was for a £100.00 parking charge notice (reduced to £60 if paid promptly).  The reminder letters from the Claimant again all demanded £100. 4.3        The Claimant relies on signage to create a contract.  It is unlawful for the Claimant to write that the charge is £60 on their signs and then send demands for £100.   4.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim. No Locus Standi 2.1  I do not believe a contract exists with the landowner that gives MET Parking Services a right to bring claims in their own name. Definition of “Relevant contract” from the Protection of Freedoms Act 2012, Schedule 4,  2 [1] means a contract Including a contract arising only when the vehicle was parked on the relevant land between the driver and a person who is-  (a) the owner or occupier of the land; or  (b) Authorised, under or by virtue of arrangements made by the owner or occupier of the land, to enter into a contract with the driver requiring the payment of parking charges in respect of the parking of the vehicle on the land. According to https://www.legislation.gov.uk/ukpga/2006/46/section/44  For a contract to be valid, it requires a director from each company to sign and then two independent witnesses must confirm those signatures.  2.2  The Defendant requested to see such a contract in the CPR request.  The contract produced was largely illegible and heavily redacted, and the fact that it contained no witness signatures present means the contract has not been validly executed. Therefore, there can be no contract established between MET Parking Services and the motorist. Even if “No Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract. Illegal Conduct – No Contract Formed  3.1 At the time of writing, the Claimant has failed to provide proof of planning permission granted for signage etc under the Town and Country Planning Act 1990. Lack of planning permission is a criminal offence under this Act and no contract can be formed where criminality is involved.  3.4        I also do not believe the claimant possesses this document.  No Keeper Liability  5.1        The defendant was not the driver at the time and date mentioned in the PCN and the claimant has not established keeper liability under schedule 4 of the PoFA 2012. In this matter, the defendant puts it to the claimant to produce strict proof as to who was driving at the time.  5.2 The claimant in their Notice To Keeper also failed to comply with PoFA 2012 Schedule 4 section 9[2][f] while mentioning “the right to recover from the keeper so much of that parking charge as remains unpaid” where they did not include statement “(if all the applicable conditions under this Schedule are met)”.    5.3        The claimant did not mention the parking period instead only mentioned time 20:25 which is not sufficient to qualify as a parking period.   Protection of Freedoms Act 2012  The notice must -  (a) specify the vehicle, the relevant land on which it was parked and the period of parking to which the notice relates; 22. In the persuasive judgement K4GF167G - Premier Park Ltd v Mr Mathur - Horsham County Court – 5 January 2024 it was on this very point that the judge dismissed this claim. 5.4  A the PCN does not comply with the Act the Defendant as keeper is not liable.   Interest 6.2  It is unreasonable for the Claimant to delay litigation for four years in order to add excessive interest. Double Recovery  7.1  The claim is littered with made-up charges. 7.2  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100. 7.3  As well as the £100 parking charge, the Claimant seeks recovery of an additional £70.  This is simply a poor attempt to circumvent the legal costs cap at small claims. 29. Since 2019, many County Courts have considered claims in excess of £100 to be an abuse of process leading to them being struck out ab initio. An example, in the Caernarfon Court in VCS v Davies, case No. FTQZ4W28 on 4th September 2019, District Judge Jones-Evans stated “Upon it being recorded that District Judge Jones- Evans has over a very significant period of time warned advocates (...) in many cases of this nature before this court that their claim for £60 is unenforceable in law and is an abuse of process and is nothing more than a poor attempt to go behind the decision of the Supreme Court v Beavis which inter alia decided that a figure of £160 as a global sum claimed in this case would be a penalty and not a genuine pre-estimate of loss and therefore unenforceable in law and if the practise continued, he would treat all cases as a claim for £160 and therefore a penalty and unenforceable in law it is hereby declared (…) the claim is struck out and declared to be wholly without merit and an abuse of process.” 30. In Claim Nos. F0DP806M and F0DP201T, District Judge Taylor echoed earlier General Judgment or Orders of District Judge Grand, stating ''It is ordered that the claim is struck out as an abuse of process. The claim contains a substantial charge additional to the parking charge which it is alleged the Defendant contracted to pay. This additional charge is not recoverable under the Protection of Freedoms Act 2012, Schedule 4 nor with reference to the judgment in Parking Eye v Beavis. It is an abuse of process from the Claimant to issue a knowingly inflated claim for an additional sum which it is not entitled to recover. This order has been made by the court of its own initiative without a hearing pursuant to CPR Rule 3.3(4)) of the Civil Procedure Rules 1998...'' 31. In the persuasive case of G4QZ465V - Excel Parking Services Ltd v Wilkinson – Bradford County Court -2 July 2020 (Exhibit 4) the judge had decided that Excel had won. However, due to Excel adding on the £60 the Judge dismissed the case. 7.7        The addition of costs not previously specified on signage are also in breach of the Consumer Rights Act 2015, Schedule 2, specifically paras 6, 10 and 14.  7.8        It is the Defendant’s position that the Claimant in this case has knowingly submitted inflated costs and thus the entire claim should be similarly struck out in accordance with Civil Procedure Rule 3.3(4).  In Conclusion  8.1        I invite the court to dismiss the claim. Statement of Truth I believe that the facts stated in this witness statement are true. I understand that proceedings for contempt of court may be brought against anyone who makes, or causes to be made, a false statement in a document verified by a statement of truth without an honest belief in its truth. 
    • Scottish time bar: Scottish appeal court re-affirms the “harsh” rule (cms-lawnow.com)  
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • 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.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Invalid contract on insurance?


VP1
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4671 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I have a dispute with Budget Insurance although this could apply to most I imagine.

 

In a nut shell I wanted to insure a van in addition to my prime vehicle.

 

I work through a comparison website answering all questions honestly including the question related to no claims discount available

 

Based on my answers I receive many quotes and from these I select the one I prefer.

 

I pay a deposit on a Master Card and the insurance goes live.

 

I receive a request for proof of the 10years + no claims which I comply with. I am only now informed because this no claims is still live and attached to my prime vehicle it can not be applied against the second vehicle (van)

 

Because they are now applying 0% no claims the cost of the insurance rockets.

 

I explain that I (honestly) was not aware that no claims discount could not be applied to a second vehicle and the web site data I entered, that formed the basis for the insurance contract, never indicated nor informed me of this.

 

I inform them I am not prepared to pay this higher cost for the insurance as I can recieve insurance cheaper from several companies even with the 0% no claims discount. I state the original contract for the insurance was based on the information they requested and I supplied.

 

They state they will be taking the higher amount based on 0% NCD so I inform them the contract is not valid and I do not want this payment to be taken.

 

I tell them the policy should be cancelled and I am informed they will indeed cancel and take a cancellation fee plus a % of the original amount of the policy.

 

 

Q. Am I correct in stating that this contract is void?

 

It seems any person not aware the no claims discount earnt can not be applied to more than one vehicle and wishing to insure more than one vehicle using the online quotation forms faces this issue. it seems you can agree to a quotation then only after this point be informed the price you agreed is no longer valid and they want considerably more. if you do not agree then you must may a fee to cancel the contract!

 

Just as a side I never signed and returned the consumer credit agreement sent soon after the policy went live. The policy was in effect for approx 3 to 4 weeks from payment of the deposit to date cancelled.

 

Any advice would be welcome. I have screen shots of the original online application form with my response entered

Link to post
Share on other sites

correct under DSR you can cancel ( in writing or email ) up to 7 days after when the policy is to start, most give you 14 days to cancel these days; 7 days is minimum based on the Distance selling regulations. if within this time frame they have to refund it all, outside they may cancel but have to pay admin fee.

Link to post
Share on other sites

The policy was not cancelled under the distant seller regs. A dispute resulted from the original price agreed being based upon the data they requested only for that price to change after the event when further details came forth i.e. you cannot apply NCD to more than one vehicle

Link to post
Share on other sites

I did the same myself. We got round by then getting the best quote and they matched it

 

 

I asked that question and they refused to match but insisted I pay the higher price they now wanted for the policy

Edited by VP1
spelling
Link to post
Share on other sites

they are correct you can only have the NCB on one car, however most will offer an introductory discount for the 2nd car, normally 30%.

Anyway my point about DSR is as soon as you new the cost why did you not just cancel, you do not need a reason under the regs.

Link to post
Share on other sites

Here is the time line:

 

18 April email received confirming insurance

 

Thank you for insuring your Volkswagen Lt35 with Budget - you have joined over a million satisfied and happy customers.

Your policy documents, including your certificate of insurance, are available to you at anytime through our online Self-Service Centre at

Thank you for insuring your van with Budget.

The Budget van insurance team

 

29 April - letter dated asking for no claims (also stating they asked for proof at start but I have no record of this in any correspondance)

This letter received by me on the 04 May

 

Away from 05 May until Sunday 08 May

 

Tried to telephone Budget 09 May after no reply emailed:

 

With reference to your request for proof of no claims discount. I have tried ringing several times but have been unable to reach an advisor so hope this information will enable you to satisfy the requirements.

 

The vehicle in question *** **** has not been used for approx 3 years but when it was last insured it was with yourselfs. For the last 3 years or so I have continued the no claims on vehicle **** *** which I have insured with the AA.

 

Can you get back to me and let me know if this information enables you to obtain the details you need. If it helps I give full permission for you to contact the AA and for them to release insurance detail information

 

 

Responce received from budget 11 May informing me NCD can not be applied against this policy. This is the first time I became aware and this occured some 24 days after policy first entered into and thus became the first point at which it could be cancelled.

 

Thank you for your email,

unfortunately we can not give you any ncd allowance because the proof is out of date and we can not use your aa policy as it is still active sorry to inform you of this.

kind regards

ncd team

Email / telephone between budget and myself to try and clarify resulted in policy cancelled 16 May.

van ins2 edit.jpg

van ins1.jpg

van-ins1.jpg

van-ins2-edit.jpg

Link to post
Share on other sites

I didn't think DSR's applied to non physical things such as insurances. Sorry OP but I'd of thought most people know you cant carry your NCB on more than 1 policy. I'd say they have the right to charge a cancellation fee as you gave the incorrect information. Ignorance isn't considered an excuse in terms of law.

 

I think you probably knew this too when you were using NCB from a policy of 3 years ago.

Link to post
Share on other sites

Yes I see your point but where as ignornace can not be used as a defence in law a contract entered into must be based upon information supplied by both parties and I have not supplied any false information to the insurance company

Link to post
Share on other sites

a contract entered into must be based upon information supplied by both parties and I have not supplied any false information to the insurance compan

In their eyes you have, they asked you if you had NCB, You said yes. It turned out you hadn't when asked for proof.

Link to post
Share on other sites

I'll post the screen shots when I have 20 posts and you will see the point.

 

The questions ask if you have any no claims built up on this or any other vehicle and are given a yes / no option. I answered yes then went to the next stage. They do not say if you have you can only use it on one vehicle.

 

Thus the contract was based upon the questions they asked and I answered honestly. Only after the event when they required proff of the no claims I have did I discover it could not be applied and this then increased the cost.

Link to post
Share on other sites

Just had a look at budgets website. Next to the drop box for the length of NCB is a '?' press that and it tells you what requirements there are to use your NCB.

 

Sorry OP but they are correct.

Link to post
Share on other sites

I see your point. In my case I did it over the phone and was asked that question do I have any no claims bonus and truthfully answered yes. They come back to me two days later because it was on the data base I was still insured on another car. But they did help me. The best price was as if I had 3yrs ncb. So they reduced the ncb to 3 ys which I was happy with

 

It would be easier if the question was. Do you have any no claims bonus to transfer.

:???: what me. never heard of you never had a debt with you.
Link to post
Share on other sites

did they ask ay the time you did it on line if you owned another vehicle in your name and who was it insured with. i.e.is this a second vehicle?

Jeep; DSR applies to goods and services including insurance.

Link to post
Share on other sites

jeepstar I took out the policy via compare the market and you are right there is indeed a '?' which if you click expalins about NCD. I never clicked on this because the question asked: Any no claims discount I answered based upon the 10 years I had and yes I made an assumption that I knew what NCD was and how it worked.

 

I assumed I knew and I was wrong which will indeed be an expensive lesson learnt!

 

Thank You for your time with this

Link to post
Share on other sites

All the questions are on the vehicle details section of the site. It is the '?' help sections on that page that contain the information about the use of the NCD.

Link to post
Share on other sites

trouble with using compare sites is that they are too general just give you a basic comparison, do not give specific terms and conditions for each co.etc

So always best to check with actual co website before committing.

I tried this with my jap import, cheapest was M & S, but when checked with them they said sorry we dont insure imports.

In post 13 you said you did it over the phone? where originally and later did it on line?

Link to post
Share on other sites

Looking through the DSR regulations. You can only use your right to cancel if the insurance hasn't actually started. If it has you then have to adhere to the insurers cancellation policy.

Link to post
Share on other sites

Follow up question if I may.

 

What is the position with regards cancellation fees and charges? General or specific advice relating to Budget most welcome. From what i can see from other members of the forum they are not the best of insurance brokers!

Link to post
Share on other sites

One other question: They are stating they asked for a signed copy of the credit agreement to be returned but I have no record of any such document being received. Any implications?

 

Also the terms and conditions on the quote form only makes mention of a £25.00 cancellation fee if cancelled after 14 days and nothing else. How can they then charge 100's of pounds to cancel/

Edited by VP1
additional information
Link to post
Share on other sites

VP1; In your first post you said you returned credit form unsigned! so not in affect then.

Dont forget they have your Card details from your deposit! should not use it but never know; suggest you inform your bank not to accept any transaction from them.

I think you will have to be resigned to paying the cancellation charges, but they should be reasonable.

However will be based on the higher 0% NCB premium.

You will have to go through terms and conditions covering cancellations.

Most apply a short term rate of 30-35% of the yerarly total less your deposit.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...