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    • look at the timeline in the poc carefully. the a/c was defaulted 30th april the A/C was not sold till 21st june, some 2mts later   I would suggest the £499 was refund of interest or charges or WHY from the OC, hence the different wording to the phantom £1 payment some further 6mts later they claim by you.   the MBNA SAR will most probably clarify the 1st part and should be arriving well in time for your bundle exchange   at that time 2012 -14 were you ever aware of what questioning a debt was all about ?? or were involved in any other debt whereby you used a CCA request etc or were in any kind of debt management etc etc.. we don't have old thread history to guess your background.        
    • get on to Lidl head office and the local press and lay it on with a trowel. Ask the council if there are any conditions in the planning consent that palce limits on parking times- many have a minimum of 2 or 3 hiours free parking and that cannot be changed arbitarily by either Lidl or the parking co. If there are conditions make a big fuss and tell Lidl that you will be going after the closure of their store if they dont tell Athena to wind their neck in   See the case of Tandridge and Caterham branch of Morrisons which was a Somerfield. In short 3 hours free parking  as a minimum, Morrisons chaged it by hiring parking cowboys who limited it to 1 hr when they took over the store and the council told them they would close the store for breach of planning consent if they didnt tell the parking co to do one. Parking co realised they would never make money like that so skulked off.
    • The POFA allows the parking co to create a KEERPER liability if certain conditions are net. POPLA have got the timings wrong as the parking co is allowed 12 days plus 2 days for service so they mut send out the NTK in time (28th) regardless of whether it drops on your doorstep within the 14 days. So they failed to create a keeper liability- this doesnt men that there wasnt a contract with the driver but they cant assume that the keeper and driver are one and the same but this has never stopped a parking co from persuing the person named by the DVLA even if the procsessing of your personal data is unlawful cos they ahve screwed up on their dates. tyhye just lie to the courts and hope.   The BPA will do nothing other than side with the person who pays their wages for the above reasons. they will waffle about assumed driver still a contract so someone ahs to pay and it will be you unless you name someone esle etc. All cobblers but they cant burst the bubble.   Better off saving ink and fighting the parking co if they want to start something but let them waste their time and money in the meanwhile. If the car aprk is local to you get some pictures of the entrance, the signs in there and piccies of any signsthat are different to the signage at the entrance. tell us about the event, the place, time what it is they said you did wrong etc
    • this is for the court claim one should be on your other thread please      
    • no, as numerous threads here regarding AP already shows, AP stays for anything upto 12yrs and kills the score and the account thus remains on file. a default notice should have been issued after the 3rd payment which did not meet the org payment terms of the signed agreement.   the ico is even down on record stating the same about this AP marker, it should not keep an account showing on credit files nor effect one's score whereby otherwise it would now have been removed or the score improved after 6yrs
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non-claim incident car insurance query

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Hi everyone, first post here

 

I am truly fed up and think I already know what the answer to this is but thought I would ask anyway.

 

A few months back I bumped into an empty stationary vehicle whilst parking. Minimal paintwork damage to mine and third party car. We exchanged name and phone numbers and I asked third party to contact me when they decided what they wanted to do. Haven't heard anything back from the third party and didn't tell insurance company at the time (didn't realise this was a requirement but I do now) as I was waiting for the third party to contact me to see if we had to go through the insurance or not. Insurance is up for renewal and when submitting the details I declared the incident as I was worried that if the third party did decide to pursue it then I would be in breach of new insurance as I hadn't declared the incident. There is now a £30 increase on my premium even though myself personally, my insurance or the third party insurance have paid out nothing. This has also affected my partner's insurance premium. He thinks I am stupid to even have declared it but I felt I had to.

 

I am just really galled that this one small incident that incurred no costs will affect mine and my partners insurance for the next 5 years. Is this right? Honesty doesn't seem to pay after all :sad:

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Is the £30 increase for the whole year?


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GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Yes for each of us so sixty quid in total for the year

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Unless i'm reading this wrong, your car insuance has gone up by only £60 this year at renewal. i have 11 yrs ncb and mine went up over £200!! i think youve had a result, £60 is very reasonable when most peoples insurance is going up by 30%+.

Thats why i wondered if i was reading it wrong.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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First of all how can the third party claim without your insurance details, your insurance will never pay third party without your knoweldge.

before they process any claim they will contact you to clarify.

you are very lucky to escape with £60 mine is increased by £300.

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