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    • No! What has happened is that your pix were up-to-date: 5 hours' maximum stay and £100 PCN. The lazy solicitors have sent ancient pictures: 4 hours' maximum stay and £60 PCN. Don't let on!  Let them be hoisted by their own lazy petard in the court hearing (if they don't bottle before).
    • 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.  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 if paid promptly).  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 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 2) 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. 
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Insurance Claim Problem - Major HELP Needed!!


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Hi there,

 

I have a serious problem with a current claim. I run a print shop and two large format printers. When i got my business insurance i made it very very clear on the phone the exact make, model, serial numbers of the printers, as well as exactly what they are used for and exactly what we are as a business. They verbally assured me that this was all fine and can be covered. So great.

 

I got through the paperwork, which says business type 'print shop' on it and i got x amount of cover for electrical equipment and machinery, full breakdown, accidental damage etc.

 

Sadly a few months later one of my machines break down quite badly and after a lot of time and even more money trying to fix, we opt for insurance.

 

However insurance turn around and say, Sorry your not covered, we dont cover trade equipment or manufacturing equipment such as your printers.

 

WTF??, I made it very clear exactly what machines i was using and they said it was covered.

 

My fault in this matter is that after explaining in great detail all about the machines, i assumed they where covered, so when i got through my paperwork, i did read it, but it turns out a missed a tiny one liner about NOT covering machinery and trade equipment on this policy (which is the exact opposite of what i asked for).

 

It turns out that despite my long explanation of what i needed, they gave me completely incorrect and useless cover, but because i didnt spot their mistake and raise a point before making a claim, they can not apparantly deny my claim.

 

We both made mistaked, i was too trusting and didnt check properly, but they actually gave me different cover to what i asked for!

 

Also, if i clearly have a 'Print Shop' policy, how can they sit there i think im not doing any printing??

 

If anyone could help me i would be greatly appreciative,

 

Cheers

 

Marcus

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You need to probe the sales process, by making a subject access request (SAR)under Data Protection to the Insurer/broker that dealt with your original quote/new policy enquiry. Find out the head office address and send the SAR request for the attention of their Compliance/Data protection manager with a £10 cheque (max charge). Ask for a copy of all records held and copies on a CD of any recorded phone calls particularly those related to the sale of the policy.

 

When you receive the information, have a look at the ICOBS rules on the following link and then make a complaint in writing using the Insurers/Brokers complaints procedure.

 

http://fsahandbook.info/FSA/html/handbook/ICOBS/5

 

When an Insurer/broker takes a phone call or face to face enquiry they are supposed to find out what your requiremenst are, ask various questions to obtain all the information they need and then to select the appropriate product/cover that is suitable for your needs.

We could do with some help from you.

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As above get a SAR done so you can find out what they have down for when you took out the policy.

When your talking about thje small print, are we talking small print, page 37 section c item ii ? or on the key facts/statement of insurance or schedule where it asks you to check your cover?

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I think they wanted cover for business interuption caused by breakdown of the printers, they assumed this was included in the premium and did not read their policy documents. This is why they need to see what was actually said, as it could just be a misunderstanding. If the OP did not state exactly what they required or did not understand the options being discussed, they might find this difficult to pursue.

 

It is possible that the particular policy being offered could not be extended to provide the cover the OP was looking for, so was never discussed. There was just a presumption made about the scope of cover and this was never clarified.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Hi there,

 

Thanks both of you for your very useful replies. We are more than happy to take matters further and have already been talking about legal proceedings and have already been talking to a solicitor. Making the SAR request for the phone recordings and any other information would be very useful, as i 100% know that i did go into great detail on the phone about what i needed, and they do say that they record all phone calls.

 

The section that i missed wasn't in the small print, it was in the main section (that is my mistake). I did make it clear that i have manufacturing equipment that i want to cover and this section is simply incorrect, but i assumed it would be correct, as i saw that i did have cover for X amount of elexctrical equipment and machinery.

 

It is like after explaining i have two printers, they just ticked a box for a computer or something and called it a day thinking that would be ok. This was not even the first time we had insured large format printing machines with them, it was actually our second policy with them insuring these kind of machines, and there is absolutely no way they can say they didn't know we where trying to insure printers. But evidence speaks louder than words, and thats why we need the SAR and any documentation it brings.

 

Thanks Again,

 

Marcus

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