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    • further polished WS using above suggestions and also included couple of more modifications highlighted in orange are those ok to include?   Background   1.1  The Defendant received the Parking Charge Notice (PCN) on the 06th of January 2020 following the vehicle being parked at Arla Old Dairy, South Ruislip on the 05th of December 2019.   Unfair PCN   2.1  On 19th December 2023 the Defendant sent the Claimant's solicitors a CPR request.  As shown in Exhibit 1 (pages 7-13) sent by the solicitors the signage displayed in their evidence clearly shows a £60.00 parking charge notice (which will be reduced to £30 if paid within 14 days of issue).  2.2  Yet the PCN sent by the Claimant is for a £100.00 parking charge notice (reduced to £60 if paid within 30 days of issue).   2.3        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.    2.4        The unlawful £100 charge is also the basis for the Claimant's Particulars of Claim.  No Locus Standi  3.1  I do not believe a contract with the landowner, that is provided following the defendant’s CPR request, 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.   3.2  The Defendant requested to see such a contract in the CPR request.  The fact that no contract has been produced with the 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 “Parking in Electric Bay” could form a contract (which it cannot), it is immaterial. There is no valid contract.  Illegal Conduct – No Contract Formed   4.1 At the time of writing, the Claimant has failed to provide the following, in response to the CPR request from myself.   4.2        The legal contract between the Claimant and the landowner (which in this case is Standard Life Investments UK) to provide evidence that there is an agreement in place with landowner with the necessary authority to issue parking charge notices and to pursue payment by means of litigation.   4.3 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.   4.4        I also do not believe the claimant possesses these documents.   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 parking period, times on the photographs are separate from the PCN and in any case are that arrival and departure times not the parking period since their times include driving to and from the parking space as a minimum and can include extra time to allow pedestrians and other vehicles to pass in front.    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.  No Breach of Contract   6.1       No breach of contract occurred because the PCN and contract provided as part of the defendant’s CPR request shows different post code, PCN shows HA4 0EY while contract shows HA4 0FY. According to PCN defendant parked on HA4 0EY which does not appear to be subject to the postcode covered by the contract.  6.2         The entrance sign does not mention anything about there being other terms inside the car park so does not offer a contract which makes it only an offer to treat,  Interest  7.1  It is unreasonable for the Claimant to delay litigation for  Double Recovery   7.2  The claim is littered with made-up charges.  7.3  As noted above, the Claimant's signs state a £60 charge yet their PCN is for £100.  7.4  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.  7.5 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 practice 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.”  7.6 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 recoverabl15e 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...''  7.7 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.  7.8        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.   7.9        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.   
    • Well the difference is that in all our other cases It was Kev who was trying to entrap the motorist so sticking two fingers up to him and daring him to try court was from a position of strength. In your case, sorry, you made a mistake so you're not in the position of strength.  I've looked on Google Maps and the signs are few & far between as per Kev's MO, but there is an entrance sign saying "Pay & Display" (and you've admitted in writing that you knew you had to pay) and the signs by the payment machines do say "Sea View Car Park" (and you've admitted in writing you paid the wrong car park ... and maybe outed yourself as the driver). Something I missed in my previous post is that the LoC is only for one ticket, not two. Sorry, but it's impossible to definitively advise what to so. Personally I'd probably gamble on Kev being a serial bottler of court and reply with a snotty letter ridiculing the signage (given you mentioned the signage in your appeal) - but it is a gamble.  
    • 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).
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      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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RAC Extended Warranty


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I am looking into a claim for a friend on a RAC Extended Warranty.

 

BMW 320 Turbo Deisel Auto First Registered Feb 2002.

 

He bought this car in September 2005 with 60,000 on the clock. The mileage to date is 66,000.

 

When purchased he took out a 2 Year 5 Star RAC Extended Warranty which had an extra loading because the car has a Turbo.

 

The Turbo has recently failed and a claim made. RAC rely on a clause in their terms:-

 

WHAT IS NOT COVERED

Your insurance will not cover:

 

2. General maintenance and Componants failing due to Wear and Tear

 

A report has been obtained from a Specialist Turbo Technicians Company who give a detailed explanation as to the failure and finish with the following:

 

"In my opinion the seized VNT has caused the shaft to over speed, a number of the turbine blades have broken, the shaft has gone out of balanceand hammered the bearings - hence the failure."

 

(No mention of general maintenance or Wear and Tear)

 

I have checked with the local BMW service department who say there is no scheduled service period for a turbo as it is a non servicable unit.

 

Can anyone suggest a course of action?

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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What's a VNT?

 

Variable Nozzle Turbine.

 

It's basically a turbocharger, made by Honeywell.

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice you must always consult a registered and insured lawyer.

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The warranty is basically an Insurance Policy, and you won;t be surprised that the number of objections put forward by these companies (it won't be the RAC, but an insurer using their brand) to forestall any payment. There is a possibility you can challenge their assertion, and at no cost make a formal complaint to the Insurance Ombudsman, but everything hinges on the Terms and Conditions that formed the basis of the warranty.

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Surely if they charge an additional premium for it being a turbo car, then if the turbo breaks it should be fixed without question? I would also challenge it on their assertion that the item failed due to fair wear and tear; turbos just don't break down at 60,000 miles!! (Especially Diesel turbos which have a lower turn rate than petrol ones). Further to this I don't believe that a component failure (such as the variable nozzle seizure) can be put down to "maintenance/wear and tear".

 

If you were required to lubricate the device every so often, then fair enough; but as this is a maintenance free unit I would surmise that it has been designed to outlast the car - in other words the item will not normally fail due to wear and tear during the life of the vehicle. Maintenance is a non-issue as the item is maintenance free (i.e. a non-serviceable unit).

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Don't forget Tom, there can also be a causal connection - the Turbo may well be maintenance free but if its speeding up to destruction was caused by something else that DID need maintenance, the consequential loss woul not extend further than the primary part of failure, not the mayhem that followed it. (All depends on the T&C's of course).

 

The best one I hear of was a diesel laguna who's timing belt failed 2k miles short of its service replacement. The warranty company managed to argue they'd pay for the replacement timimg belt (£60) but not the £4k damage to the engine resulting from the timimg belt going AWOL.

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Thanks for the replies.

 

I have contacted the dealer who sold the vehicle and the Extended Warranty. Quite helpful but was under the impression that the vehicle was sold in good condition and no action could be taken against the dealership. (Personally I think the dealer is as liable as the insurer as the dealer reported no faults with the vehicle at the incept of the policy and sold a 2 year ex warr)

 

I have left the dealer to deal with the underwriter and use his weight of business he puts to the insurer in volume warranties sold.

 

I have given him seven days to get a favourable response before starting the process of a small claim.

 

I should reiterate that the specialist report was done by the RAC's recommended specialist and does not mention "Wear & Tear" ( the term in the exclusions), it only mentions the seized VNT caused the bearing to wear.

 

My own opinion for what its worth is that the crux lays with the seized VNT and not General Wear & Tear.

 

I'm still open to any more views or suggestions.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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I agree DW; the seized VNT is the cause of the turbine overspeed. This caused turbine blades to fail. This caused an imbalance in the turbine which caused vibration - and THIS caused shaft bearing failure, seizing the turbo altogether. The crucial point is, that I believe the variable nozzle is part of the turbo unit and inseparable from it - this means that it is part of the maintenance free turbo and therefore designed to last more than the life of the car.

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Had a nice little telephone call this morning from the dealer.

 

RAC have agreed to meet the full cost of the repair.

 

Just a little pressure in the right direction and you can get a just result.

 

Thanks for all the input.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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Great News - but can you name names? Clearly it wasn't the RAC - who was the Insurance Company?

 

I only spoke with the dealer over the phone. First to establish the volume of their sales which would reflect the level of warranties they were selling. I got the impression that they sold quite a few as the rep called once a week to collect the forms.

 

The dealer in turn spoke to someone high up at the warranty section of the RAC who spoke with the underwriter. The underwriter spoke with the repairing garage and was given verbal abuse about the warranties not being worth the paper they were printed on if they loaded for a turbo and rejected a claim (General Wear & Tear) after only 6500 miles from the inception of the policy.

 

I made it quite clear to the dealer that if the response was negative a claim would be made against them under the SoG & Services Act on the following basis:

 

1. Sold a 2 year warranty with loading for turbo on a car which had done 60,000 mls, then rejected a claim for the exclusion "General Wear & Tear"

 

2. Turbo is not a servicable part and has no recomendation to replace after a certain mileage. Therefore the Turbo should last the life of the car.

 

3. Turbo Techs report did not mention "Wear & Tear" only worn bearing due to seized VNT.

 

 

I hadn't even got round to asking for any names as the guy (the dealer) did all the donkey work with the RAC

 

I can only find on the Schedule:

 

RAC Warranty is a trading style of the Motorway Direct PLC group of companies.

 

MOTORWAY DIRECT PLC

WARRANTY HOUSE

SAVILE STREET EAST

SHEFFIELD

SOUTH YORKSHIRE S4 7UQ

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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  • 10 months later...

A postscript to this.

 

I am currently in dispute with Motorway Direct (Trading as RAC Warranty) over a claim for a Turbo Unit. At the initial claim the garage could not get through to them because of the floods. I sent a registered letter.

 

When we eventually could get to them, we continued with the repair and they told the garage that they couldn't pay them but would send a cheque to me.

 

They then refused the claim. One reason given was that the policy was expired at the point of claim. I referred them to the registered letter showing that the fault occurred in the policy term and we could not contact them.

 

They then wrote back with a completely different reason for refusing the claim. (Wear and tear on a unit with less than 15,000 miles on it) I refuted that and mentioned the small claims court. They then said they would "look at" the claim. We are still in discussion between them and the garage.

 

I noticed recently that a new organisation "Premium First" had taken an amount the same as the previous policy premium from my bank account. They told me that Motorway Direct had automatically renewed the policy. I contacted them and they said that they had automatically renewed the cover. This time they renewed it as "AA Warranty", though the direct debit was taken on behalf of RAC warranty.

 

When I referred them to the letter stating that they were refusing the claim because the policy was expired, they initially denied this, referring to one of the other reasons they had given.

 

Luckily I had the letter in front of me. They are refunding the premium.

 

My outstanding claim is ongoing.

 

Watch this shower - They continue taking the money for the policy, but tell you it has expired if you make a claim. I have made successful claims from this policy, but it is like getting blood from a stone. I have always had to pay the bill first and reclaim although the document does say will pay the repairer direct "Wherever Possible". I have never received the full amount.

 

All my correspondence with them now is under registered post. Avoid any policy underwritten by Motorway Direct. This includes RAC and AA policies.

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You should also send copies of any letter to the RAC and remind them that the warranty company are bringing the name of the RAC into desrepute. I wouldn't think the RAC would be too happy with that.

 

Thinking a bit further about this, if it is called an 'RAC' warranty then the RAC are the liable party, They are giving the warranty and have got it underwritten by an insurance company.

 

Daewoo sell an old model Vauxhall Astra under the Daewoo name but if it goes wrong you take it to Daewoo for rectification not Vauxhall.

 

This is very similar to PC World who try and fob off faulty goods by telling the customer they have to take it up with the manufacturer.

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  • 2 years later...

Warning to anybody buying one of these warranties, they are (as others have stated) total rubbish. I bought ,what i thought, was a premiumplatinum policy.

I had a genuine claim as my vehicle developed a vibration shortly after purchase, the phone interface was hostile with no help, they will not communicate with the policy owner, you have to pay to see an assesors report (who rely on the repairers statements) an extra £10.

Customer services are a waste of time, I am 53, never claimed on any insurance and class myself as an honest fair person, they could not give a rational explanation as to why they would not pay out. These policies are an absolute rip off.

I am now considering legal action as you have no redress with these fraudsters.

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Take it to the FOS first - legal action is expensive if you try to pursue it yourself (and there's no guarantee of success). If you can have your own report commissioned and supplied, and this does not faul foul of theiur exceptions, you may well win - but it helps to get the ducks lined up first!

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Thanks for the info Busby, you are absolutley correct. There are alternatives that I need to try first, indeed our local courts recommend this approach. I have since had expert advice about the crank pulley that broke up, they say that it would be impossible for the RAC inspector to draw accurate conclusions with the part in situ. I will get this documented.

I am determined to sort this, even though they are impossible to have a rational conversation with, if you read their responsibilities you wonder why the fuss, especially over a relatively small amount.

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  • 2 years later...
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