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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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    • 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.

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ASDA car insurance


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Just been charged an admin fee of £30.45 to cover costs of extra paper work! lol. I was looking through your posts and this seems to be a cost they shouldn't be imposing?

 

I have the address of customer services, and would love to know if you have a template.

 

Any case I win ( including this ) I shall donate, Thanks

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What were the costs for - did you make a change to the policy?

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Advice & opinions of Dave, The Bank Action Group and The Consumer Action Group are offered informally, without prejudice & without liability.

Use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

 

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I had changed cars at one point but that's nothing to do with it. The cost was for cancelling the policy 'Admin' & extra 'paperwork'.

 

In previous posts you mentioned their are ways to fight this?

 

I actually cancelled the whole policy due to finding a policy over £300 cheaper!

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Hi Robert!

 

As promised I have looked at the ASDA policy for you.

 

A. It is underwritten by Norwich Onion (no not a typo!).

 

B. The Cancellation clause on the ASDA website, which looks like a PDF of the policy booklet you received, says..

 

Alternatively, if you wish to do so and the insurance cover has already

commenced, you will be entitled to a refund of the premium paid, subject to a

deduction for the time for which you have been covered. This will be

calculated on a pro-rata basis for the period in which you received cover.

 

To exercise your right to cancel your policy, please contact the ASDA

Insurance Services Helpline on 0845 300 5771 or write to ASDA Insurance, PO Box 7483, Perth PH2 0YS.

You should also return your certificate of motor insurance immediately following

cancellation.

 

Please can you look at this link... http://www.asdafinance.com/files/carins.pdf

 

1. Does it look like the booklet you received with your certificate and policy schedule?

2. Did you return the certificate?

3. How did you know about the £30 admin fee?

4. Do you still have any correspondence from them about the fee?

 

Sorry for the questions.

 

I am trying to find the name of the person to whom the dubious responsibility of running the ADSA Car Insurance Scheme has fallen. Once I have their name we can send them a nice letter demanding they return the admin fee and say it is in breach of their own contract terms!!!!!!!!

 

Look forward to hearing from you soon

 

LOULA

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1. Does it look like the booklet you received with your certificate and policy schedule?

Don't remember

 

2. Did you return the certificate?

Yes

 

3. How did you know about the £30 admin fee?

Over the phone 'Admin fee'

 

4. Do you still have any correspondence from them about the fee?

no, nothing.

 

The only details over the cancellation fee is on the phone.

 

Appreciate your help on this

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Robert,

 

Sorry, totally misread the policy booklet!

 

It does say about the cancellation charge, but I believe it to be a penalty as they have mid-term cancellation, claims occurrence, theft, age etc built into the pricing model.

 

A letter is being formulated as I type, I have the CEO's name too.

 

Be back as soon as I can with your letter should you wish to proceed.

 

LOULA

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Hi Robert,

 

Sorry been up to my eyes.

 

Simon Machell, became CEO of Norwich Union on 3 April. Let's give him something to think about!

 

Here is a suggest wording for you...

 

S. Machell Esq.

The Chief Executive

Norwich Union Insurance

Surrey Street

Norwich

NR1 3NS

 

 

Dear Mr Machell,

 

Cancelled Policy Number; XYZ

 

I cancelled my Asda car insurance policy, underwritten by Norwich Union on Day Month Year and was charged £XYZ as an administration charge 'to cover extra paperwork'.

 

I believe this to be a penalty which in English (and Scottish) law for breach of contract is not legal if the penalty exceeds the actual cost of the breach. If you say that this is not then will you please demonstrate this by letting me have a full breakdown of the costs as a result of my breach in order to reassure me that your penalty really does reflect your costs?

 

I am frankly shocked that you have operated in this way, concealment of the true nature of your cancellation charge in the policy booklet, leads me to believe this is unlawful.

 

Please therefore reimburse the sum of £xyz by return of post.

 

Yours faithfully

 

 

You could also email if you wish or keep this address for chasing…

Email to: [email protected]

 

 

Let me know what you think

 

LOULA

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  • 2 weeks later...

Shame your brother intervened!

 

As you do not have the letter anymore and cannot therefore state exactly what they said, I would have to agree that this is now a lost cause.

 

Sorry.

 

LOULA

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

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