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    • Hey,  I've messaged my husband but he is not contactable while he is in work. As soon as he is on his way home I will find out which finance company we used. I'm so sorry, I just don't know.
    • Okay, I have read your claim form. A pity you didn't come to us earlier. You haven't pleaded any legal basis for your claim and you haven't cited the Contracts (Rights of Third Parties Act. How long have you been aware of this forum? We will have to bring that out later when you do your witness statement. Once again, do the reading very carefully. I suggest that you wait until Monday before coming back here and confirming that you have read everything. And in particular, as I have indicated, read the thread which I posted above very carefully and in particular we the details of the contractual terms which were discovered and get a copy for yourself. Post a link to them in this thread as well for other people to see. They are relying on the fact that you don't have a direct contract with them and they are referring to a contractual term which is apparently in the contract between them and Packlink which specifically excludes third parties. You will definitely want to see this. They have tried to rely on this before but they have never produced the contract. In your witness statement you will have to request that they produced the contract in court. In terms of the mediation, frankly we would have advised you to decline mediation. It's all done secretively. Nothing is ever revealed and of course they will try to get you to compromise on the amount of money you are claiming. We would strenuously suggest that you don't give up a single penny. Do the reading that I have suggested, find the details of the contract which I have told you about which accepts direct liability to you, the customer – and post it here.
    • If there is no reply to the "nasty" mail in 48 hours, then please come back here and we can assess what to do.
    • In particular, read this thread carefully. it is a very long thread but be patient with it. Eventually you will come to the witness statement and also had a point where it was discovered that Packlink's terms and conditions make it clear that Evri have a direct responsibility to the claimant and the judge awarded full judgement to the claimant on that basis. We have applied for the transcript but it will probably take six weeks or so. If you're mediation fails and you go to trial then I'm sure that the transcript will be available for you. It puts an end to the claim by Evri that you should claim against Packlink and it puts an end to any need to rely on the Contracts (Rights of Third Parties) Act 1999
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    • 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.

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

      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
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Car insured as long as it's not mine?


dave
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I have just bought a second car (due to my other car catching fire on the way to work the other week), but it has no road tax.

 

Obviously I need to get insurance first - well because I have my other car insured already, car insurers won't let me use my NCD on this car as well.

 

(The rules have changed somewhat since I joined the CII!!!)

 

However, I have my other car insured fully comp, which allows me to drive any car that doesn't belong to me third party only. That's fine - TP only is what I want.

 

So, my question is - am I able to buy road tax with the certificate that allows me to drive the car providing it's my partners car for instance?

 

Hope this makes sense.

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Dont think so!

 

You should be able to get temporary cover, say for one week, so you have a cover note to tax your new car.

Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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You must remember that the insurance relates to the car it was taken out to cover. The fact that it also extends to you as TP when driving other vehicles is a courtesy extended to YOU as a driver, but implicit in this is that the OTHER car is also properly insured and taxed.

 

In a nutshell, the certificate is only for the car, and therefore will not cover the other cars concerned. However, if the insurers will not extend your NCD to the other car - exercise your right to move to an insurer that will offer this. Martin Lewis did a good talk about this last week on the radio...your current insurer may soon change their mind when faced with losing what is effectively two policies...

 

(Does all that sound gramattically right?)

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Thank you - good call - I'm on MSE now! ;-)

 

It seems odd to me that the NCD is gained by me not hitting anything - yet I can only use it on one car at a time.

 

I can only drive one car at a time, so why would I be a bigger risk in another (similar sized, same grouped) car?

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so why would I be a bigger risk in another (similar sized, same grouped) car?

I'm not sure if this would be a valid point, but when you are driving your 'normal' car, then you are completely familiar with everything about it. In another car you may not be so familiar, and therefore your reaction times could be affected. Additionally, in someone else's car, it is possible to have an 'it's not my car, so it doesn't matter' kind of attitude. Not that I am sugesting this is the case, but I wouldn't be surprised if this theory has been expounded at some point in time...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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There is a chicken and egg situation to watch out for too.

 

Can't get tax without insurance, no tax will invalidate insurance. Also whilst the insurance certificate DOES NOT have to mention the vehicle you are taxing explicitly, I would think it would have to be in your name.

 

Get a refund of the tax from the burnt car for the remainder of the year paid for previously!

 

Spiceskull is exactly right, the car must be insured by its owner to allow you to drive it third party on your own policy.

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The road tax won't actually invalidate the third party part of the insurance - only the Comp bit - I won't go into details (as it's very boring) but it's because the person is insured for TP NOT the car.

 

My policy states that I am able to drive any other car that doesn't belong to me - there's no mention of the car being insured by another person to make this valid anywhere in the entire T&C's?????????

 

I'm not sure that it is a requirement - it's certainly not a legal requirement.

 

In another car you may not be so familiar, and therefore your reaction times could be affected. Additionally, in someone else's car, it is possible to have an 'it's not my car, so it doesn't matter' kind of attitude.

 

I would say that if they feel that way, then the driving test isn't hard enough. I can jump into any car and drive it immediatly - a car is a car to me - different cars handle differently, sure, but driving is driving no matter what car it is that is being driven.

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I can jump into any car and drive it immediatly - a car is a car to me - different cars handle differently, sure, but driving is driving no matter what car it is that is being driven.

I agree completely, but they have to spout some sort of contentious drivel to bamboozle people into believing the higher costs are justified...

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All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Maybe when the bank thing is won - we go after them!!!??

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hmmm...maybe...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

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Yeah - I thought as much.

 

Oh well - it's done now.

 

It turns out I can have an extra car policy with my existing insurer and they will honour my NCD AND I get a discount for a second car (although the discounted price was about 10p MORE than a non-discounted price their site was showing on Insuresupermarket.com!! ??)

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(although the discounted price was about 10p MORE than a non-discounted price their site was showing on Insuresupermarket.com!! ??)

 

 

I know, I know. If you ever want me to explain how/why I will, but it will send you to sleep!

 

LOULA

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Glad you got it sorted

 

But for the record; to drive another car Third Party on your own Comprehensive insurance, the 'other' car must be insured itself (either C or TP)

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Glad you got it sorted

 

But for the record; to drive another car Third Party on your own Comprehensive insurance, the 'other' car must be insured itself (either C or TP)

 

I'm not so sure that this is the case - there is certainly no legal reason why it should be, and it's not mentioned anywhere in my policy - it just states that I can drive any other car not belonging to me.

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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I know, I know. If you ever want me to explain how/why I will, but it will send you to sleep!

 

LOULA

 

Could I have an edited version? ;-)

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I'm not so sure that this is the case - there is certainly no legal reason why it should be, and it's not mentioned anywhere in my policy - it just states that I can drive any other car not belonging to me.

The logic of the argument is this - it is a criminal offence to drive a car WITHOUT insurance, and therefore the car must be insured...

Alecto, Magaera et Tisiphone: Nemesis on Earth is come.

 

All advice and opinions given by Spiceskull are personal, and are not endorsed by Consumer Action Group or Bank Action Group. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
I'm not so sure that this is the case - there is certainly no legal reason why it should be, and it's not mentioned anywhere in my policy - it just states that I can drive any other car not belonging to me.
From what I gather there is no need for the other car to be insured. You can legally drive on your own policy if it allows you to drive other cars, however, as soon as you park it on the public highway the insurance then reverts back to the registered keeper of that vehicle. If there is no insurance on that car then I think the registered keeper can be done for allowing it to be kept on the public highway with no insurance.

 

In the small print of your policy it will probably say that anyone can USE your vehicle but not DRIVE it. That means that whoever drives your car with your permission does so on their own TP policy, but when they park it on the road the insurance reverts back to you as they are now the users of your car. Well that's the understanding I make of it.

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Sorry only just caught up with this thread again.

 

It is basically because the website put some of their commission against the product to reduce the costs but claw it back in other charges which we are now seeing in failed DD fees, cancellation charges etc.

 

LOULA

 

PS Dave, clear your inbox again please!!!! ;-)

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Panther

 

You are correct.

 

The overall responsibilty is for the owner of the vehicle to insurance it for the Road Traffic Act only. ie. TP only. If you drive some elses car and they fail to notify you that there is no such cover in place then you could rely on your 'driving other cars' extension if your policy carries one, this only covers you whilst the vehicle is in motion.

 

If the owner drives and has an accident and is uninsured, hurts TP or TP property then his last insurer becomes liable under RTA law.

 

Hope no-one is confused by this

 

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

If you feel that we have helped you, or you would like to help keep this web site running so that others can continue to get their money back, please click the donate button at the top of the forum.

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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Add me as your friend on FaceBook - I need all the friends I can get :-(

 

http://www.facebook.com/profile.php?id=577405151

 

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