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    • Small boat crossing numbers in last 7 days much more than the planned number to be sent to Rwanda. Small boat arrivals – last 7 days - GOV.UK WWW.GOV.UK These migrants obviously believe that being sent to Rwanda is not a consideration when they are aware of other migrants having died making the English channel crossing. If Rwanda was going to receive thousands of migrants, then it probably would be a deterrent to some. But the threat of sending 300 migrants to Rwanda is just not going to make any difference.
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    • Write to the IPC complaining that UKPC have not observed the requirements of PoFA . IPC  Waterside House, Macclesfield SK10 9NR Dear IPC, I am writing to complain about a serious breach of the Protection of Freedoms Act 2012 by UKPCM. I feel that as it is more a breach of the Act rather than not just  complying with your Code of Practice which is why I am bypassing your operator. Should you decide to insist that I first complain to your operator, I will instead pass over my complaint to the ICO and the DVLA . My story starts with being issued a windscreen PCN on 8/3/24 which was almost immediately removed and a second  PCN was then  sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar to have that particular mess revealed later  but that is not the reason for my complaint. UKPC then sent a Keeper Liability Notice dated 12/4/24 warning me that as 28 days have now elapsed, I as keeper am now liable for the charge.  This is in direct contravention of PoFA since the keeper does not become liable to pay until the day after the original PCN is deemed to have been given which would have been 13/4/24 -a Saturday ]. Not only does it not comply with PoFA but it fails to adhere to your Code of Practice and is in breach of their agreement with the DVLA. You will be aware that this is not the first time that UKPC have fallen foul of the DVLA and presumably yourselves. I have included copies of both Notices for information. You will realise the seriousness of this situation if this is standard practice from the UKPC to all motorists or just those where windscreen tickets are involved since the Law regarding PoFA is being abused and is unfair to misguide motorists. I await your  response which I understand will usually be within a week. -------------------------------------------------------------------------------------------------------------------------------------------------------I would think that should be sufficient for the IPC to cancel your PCN though  you should await comments from the Site team before sending your complaint. Don't forget to include both PCNs.  
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I'm going to be upside down by 3-4k. Any advice appreciated.


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Car drove into the back of me on wednesday at 25 mph. Liability admitted by other driver. My car cost 13k and only 2 months old. 9.5k damage so it will be a write off. I've checked glass's and think i will be lucky to get 10k based on valuation. I don't have gap insurance. Am i basically screwed or is there anything i can do here. I realise i did not cover myself but its just so unfair. Both drivers covered by the same insurance co. They called on wednesday and offered me £750 compo there and then for whiplash and although did not give any further figures mentioned that they would also give a settlement figure for my 1 year old daughter and father in law who was also in the car. Would it make sense for me to try and counter offer for the outstanding amount of finance 12.8k to include compo or should i fight for more compo through a third party? I basically dont have 3-4k sitting about to pay the finance off now so a protracted negotiation is not in my best interest. Any guideance or tips would be much appreciated as this is my first and hopefully last accident.

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Car drove into the back of me on wednesday at 25 mph. Liability admitted by other driver. My car cost 13k and only 2 months old. 9.5k damage so it will be a write off. I've checked glass's and think i will be lucky to get 10k based on valuation. I don't have gap insurance. Am i basically screwed or is there anything i can do here. I realise i did not cover myself but its just so unfair. Both drivers covered by the same insurance co. They called on wednesday and offered me £750 compo there and then for whiplash and although did not give any further figures mentioned that they would also give a settlement figure for my 1 year old daughter and father in law who was also in the car. Would it make sense for me to try and counter offer for the outstanding amount of finance 12.8k to include compo or should i fight for more compo through a third party? I basically dont have 3-4k sitting about to pay the finance off now so a protracted negotiation is not in my best interest. Any guideance or tips would be much appreciated as this is my first and hopefully last accident.

 

Your insurer will want to know the finance co. if the vehicle is on HP and will probably make payment direct to them to clear the HP.

 

Offering £750 straght away for whiplash is a way of trying to close the matter without you getting a solicitor. If you have suffered any injury you should not accept anything straight away as you may get other symptons later.

 

Dont do anything rash and dont go to claims advisors. Any decent solicitor will take it on No Win No Fee and No cost to you.

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

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Your insurer will want to know the finance co. if the vehicle is on HP and will probably make payment direct to them to clear the HP.

 

Offering £750 straght away for whiplash is a way of trying to close the matter without you getting a solicitor. If you have suffered any injury you should not accept anything straight away as you may get other symptons later.

 

Dont do anything rash and dont go to claims advisors. Any decent solicitor will take it on No Win No Fee and No cost to you.

 

What makes you think they will clear the HP? I would love that but my understanding was that they only give you current market value which would have dropped like a bomb once i drove it off the forecort.

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What makes you think they will clear the HP? I would love that but my understanding was that they only give you current market value which would have dropped like a bomb once i drove it off the forecort.

 

You say your car was only two months old. Was it brand new two months ago? Most Comprehensive policies provide for a replacement like for like model on vehicles with over 50% damage to value.

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

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You say your car was only two months old. Was it brand new two months ago? Most Comprehensive policies provide for a replacement like for like model on vehicles with over 50% damage to value.

 

Yes it was brand end of july, 12 plate. I checked the policy documentation and although I'm fully comp don't see anything other than that I receive market value pre crash price.

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I know that the price of a car varies hugely e.g. I recently bought a new fiesta at 21% discound from a main dealer.

 

If I was in your position I would be asking the dealer for a quote on a similar nearly new model to see what price they offered and checking the prices of nearly new cars at supermarkets such as Motorpoint - not ideal but pragmatic.

 

This will potentially give you something extra to challenge you insurers with and also let you know what is in budget if you get no more.

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Offering £750 straght away for whiplash is a way of trying to close the matter without you getting a solicitor. If you have suffered any injury you should not accept anything straight away as you may get other symptons later.

 

 

Agreed. Find a solicitor to use as the insurer is trying to buy your claims off on the cheap. Do not accept the offers.

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I know that the price of a car varies hugely e.g. I recently bought a new fiesta at 21% discound from a main dealer.

 

If I was in your position I would be asking the dealer for a quote on a similar nearly new model to see what price they offered and checking the prices of nearly new cars at supermarkets such as Motorpoint - not ideal but pragmatic.

 

This will potentially give you something extra to challenge you insurers with and also let you know what is in budget if you get no more.

 

Thanks Andrew. I'm having trouble finding a nearly new same year (12) with the same spec though. A (61) plate with 11k miles is selling for 9k so hopefully that puts me in the 10k bracket but i'm not holding my breath and that would still be nearly 3k short on my finance.

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  • 3 weeks later...

We have settled with the insurance company for 11.5k which is 1.5k above Glass's guide top line. About 1.5k short of my finance but lesson learned and gap insurance already purchased for next car.

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