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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times. ×


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    • lookinforinfo
      UKPC/BW windscreen PCN PAPLOC now claimform - appeal+IPC both refused - 325 Greenford Rd, Greenford **Claim Discontinued**

      By lookinforinfo · Posted

      That is great news. Many people would have given up and paid after losing two appeals so well done for hanging in and fighting. It has paid off and they have finally backed down before getting whipped in Court. I looked at your NTD and your NTK again to see if there was a chance of going for a breach of your GDPR. Sadly although your NTK on its own could have well deserved a claim, the NTD is good enough not to warrant a claim even though it wasn;t compliant with PoFA. As it is the first Notice that mostly accounts for  GDPR breaches there is a reasonable cause for the NTD to have been issued. However you are now freed from worries about appearing in Court and you have learnt about the dangers of parking especially where the rogues that patrol private parking spaces are concerned. Thank you for making a donation and should you fall victim in the future to the parking rogues or anything else that we protect from, you are always welcome .
    • nomoremoney
      Parking Eye ANPR PCN Petrol Station PAPLOC now claimform - overstay - Welcome Break Leicester Forest East (North)

      By nomoremoney · Posted

      Hi guys I'm about to submit the defence as per below     There has been no reply to our CPR 31:14 request.  Is it worth adding that I (driver, not registered keeper) didn't actually enter or park in the car park and was sat at the petrol station forecourt the entire time?  Or is that covered by the simple points?   Thanks
    • dx100uk
      friends paying a DCA on a 118118 PDL loan subject to ID theft - Help!

      By dx100uk · Posted

      a DCA is not a bailiff and cant enforce anything, even if they've been to court who are they please? sar to the original creditor FIO isnt applicable they are not a public body. who was this query sent too all the more reason to teach her young upon how these powerless DCA's monsters  work... she must stop payments now  
    • London1971
      friends paying a DCA on a 118118 PDL loan subject to ID theft - Help!

      By London1971 · Posted

      Unsettling the applecart?,  I'm going to be direct here, I know how this works , I've been in far worse situation than your relative, and I can assure you , now that there i likely a default in her name, it makes absolutely ZERO difference if she pays or not. Denzel Washington in the Equalizer , 'My only regret is that I can't kill you twice'... It's the same with a default, they can only do it once and it stays on your credit file for 6 years if she pays or not, and as it stands right now she's flushing £180 of her hard earned money down the toilet  so that the chaps at Lowell can afford a Christmas party. As for the SAR this is everybody's legal right, originally under the Data Protection act 1998 and now under GDPR, it's her right to find out everything that the original Creditor has on her file, and by not doing it the only person she is doing a massive disservice to is her self. As the father of 2 young adults myself, they need to learn at some point.. right?
    • Margot the Snail
      friends paying a DCA on a 118118 PDL loan subject to ID theft - Help!

      By Margot the Snail · Posted

      Thank you for your pointers - much appreciated. dx100uk - Apologies, my request wasn't for super urgent advice and I have limited online access due to my long working hours and caring obligations - the delay in my response doesn't arise in any way from disrespect or ingratitude. I will speak to her at the weekend and see if she will open up a bit more about this, and allow me to submit the subject access request you advise - the original creditor is 118 118 loans and from the letter I saw (which prompted the conversation and the information) the debt collection agency had bought the debt from 118 and were threatening enforcement which is when she has made a payment arrangement with them for an amount of £180 per month. It looks as if she queried matters at the time (so I wonder if I might with the FIO request get access to their investigation file?) - the letter they wrote said "The information that you provided has been carefully considered and reviewed. After all relevant enquiries were made it has been confirmed that there is not enough evidence present to conclusively prove that this application was fraudulent.  However, we have removed the interest as a gesture of goodwill. As a result of the findings, you will be held liable for the capital amount on the loan on the basis of the information found during the investigation and you will be pursued for repayment of the loan agreement executed on 2.11.2022 in accordance with Consumer Credit Act 1974"  The amount at that time was over £3600 in arrears, as no payments had been made on it since inception and I think she only found out about it when a default notice came in paper form. I'm a little reluctant to advise her to just stop paying, and would like to be able to form a view in relation to her position and options before unsetting the applecart - do you think this is reasonable? She is young and inexperienced with these things and getting into this situation has brought about a lot of shame regarding inability to sort things out/stand up for herself, which is one of the reasons I have only found out about this considerably later Thank you once again for your advice - it is very much appreciated.    

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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.

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      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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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

car insurance want to cancel after accident due to modifications... help!! :(

frostymorning

By frostymorning
in General Motoring Issues

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frostymorning

frostymorning

Posted
Posted

hi, i am hoping someone can help me out of this stupid situation i have got myself into.

 

in a nutshell -- 3rd party hit me on a rounabout. my right of way and i was indicating to turn off. he came on from the left and tried to cut across and he hit the side of my door.

i came away with a rather large dent in my door and the other driver had my paint on his bumper.

we swapped names, numbers and he said he would call me that night. didnt hear anything so notified the insurers the next day. he had already called them claiming i wasn't indicating, my fault and he has a third party witness!!!! shocked as for 20 minutes we were there there were no witnesses.

 

anyway, took my car to the garage to get a quote, compelted insurance forms and sent it off thinking nothing of it and thta it will get sorted.

 

just got a letter asking why i had not notified them of my tinted windows (mods) and if i had told them in the beginning, they never would have insured me! when i bought the car couple of years ago the windows were already done and i assumed it was factory fitted as that was what i was told.

 

now i dont know what to do/what to write back/where to go from here.

i realise legally they are within there rights as htey are saying car is modified and i didnt tell them and is against their policy to insure these cars (they wont cover any mods!), but i dont know what i am supposed to do now, i am really upset with myself as i should have realised but now i am stuck.

would really help any advice to where to go now?

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BankFodder

BankFodder

Posted
Posted

The important thing here is that the accident was caused by any lack of visibility.

 

Write back to them in a business like way and point out to them that, firstly, the car is exactly as it was supplied to you and secondly that you deny that you were at fault but in any event that the evidence shows clearly that any lack of visibility caused by tinted windows - which you deny - was not a contributing factor and therefore you expect them to cover the accident of else you will take them to the county court.

Tell them that you accept that if they consider that the vehicle is modified that they may want to cancel the contract for the future or review the premium - but this accident was not affected by the tinted windows and so the level of risk in that regards remains the same.

tell them that you will be presenting this argument to the county court if they do not reconsider their position within 14 days.

 

Only make this threat if you intend to carry it out.

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frostymorning

frostymorning

Posted
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Posted

bankfodder -thanks for the advice, that is so helpful. i didnt think i would have a leg to stand on with them as they are 'in charge'.

will i need to prove the visibility through the windows? they are not crazy dark windows, just enough to keep the sun out (in the back) and the fronts are a slight shade darker then the windscreen (not tinted).

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Yukiko

Yukiko

Posted
Posted

I don't think it's checked on the MOT. If it is, I can see it being like the ruling in the MOT that says Magic Trees and phone holders aren't to be in place. My MOT man says that he'll "remove" them for the purpose of the test... But I have never seen it.

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