Jump to content


  • Tweets

  • Posts

    • Thanks. In that case when it comes to preparing my court bundle I will remover the Bradbury v UPS case. And I agree, @occysrazor 's case is the strongest asset I have in defence. Hopefully the necessary literature will be available by the time of my court date.  
    • Some of this seems to hinge on him not being properly instructed by POL or their legal reps. He was said to be an independent expert but doesn't seem to have known that he should reveal all evidence he was aware of and not just the bits that suited Fujitsu/him. I know he asked for immunity from prosecution, is it still the case that Wyn Williams doesn't want to do this? The last I saw there was still a perjury ivestigation.
    • So I like a bit of fun with the horses and have a few profitable tipsters, when i make a profit i re-invest and try more, nice little way to work on the side. This site looked promising however after joining a Telegram group I was not at all happy with the service as it was completely dead.. a week went past... I thought it was brokedn (expecting 14 tips by now)... 2 weeks went passed.. a tip came in about something happening in a few weeks... the month was nearly up (£49 couldnt be recouped by these bets) I complained via email asking for a refund as it was not as advertised, website says 1-2 tips a day, i expected that.  There's no way i could recoup £49 a month on 1 or two tips.  I didnt get a reply. I tried again,  no reply. Ive then had to up the email wording to request Im now really not happy. I get a reply and it appears they agree a refund (this doesn't get processed) Fed up i send a notice before action letter. I then get various emails of a very unprofessional manner and one towards the end that sounds a bit like a threat. I would encourage others to be very cautious about this website and if that was a threat (I know where you live, i have your postcode)  It becomes a police matter.  Im sure, it is just a recording of my personal data so I cannot be allowed in the telegram group again. Either way, is there anything ive missed? Emails below in order.   On 22/05/2024 11:31,  wrote: Hi I havent had a response to my last two emails, and Im not getting what's displayed on the site (1-2 bets a day) Please can you process a refund as its not what I was expecting   Thanks   --------- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:17 To:  Subject: Re: REFUND   Hi X, Are you still in the private telegram group? Regards, Ash -- On 22/05/2024 12:21, I wrote: Hi Its all still logged in yes as per the day it was set up   thanks ---- From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 22 May 2024 12:25 To:  Subject: Re: REFUND   Hi X That is fine. When did you send the previous emails? This is Marc speaking here I run the service. So on the 1-2 bets per day, some days there are no selections because there is no value or information. It is impossible to make profit long term betting every single day. Did you get on Macduff 33/1 for the Derby? Regards, Marc ----- From: X Sent: 22 May 2024 12:41 To: info@premiumracingtips.com <info@premiumracingtips.com> Subject: Re: REFUND   Hi Marc, I sent a mail on the 16th initially then Monday this week to follow up.   Yes, Got a Derby tip through but nothing else in a week   Ive based this on needing £50 profit required to break even, so expecting 1-2 bets a day (sorry) , £2 average bet profit needed to make a small profit after the subscription fee, as a test then move up as confidence grows   I probably need a larger starting bank to benefit from this properly.   Thanks X ======================================== Then, no further correspondence received until almost a month later: ====================================== 17/06/2024 Good afternoon,   Further to my correspondence below I am notifying you of court proceedings.   If I do not receive a satisfactory response from you within 14 days of the date of this letter, I intend to issue proceedings against you in the county court without further notice. Court fees will be added to the final invoice adding £215 minimum to the refunded amount and this will affect your ability to get credit.   I refer you to the Practice Direction on pre-action conduct under the Civil Procedure Rules, and in particular to paragraph 13-16 which sets out the sanctions the court may impose if you fail to comply with the Practice Direction. I look forward to your acknowledgement. Yours faithfully, X   ============== NOW i get a response! =============   Tuesday 18th/06 Evening X Firstly, I know the law (family member is a QC) so this legal jargon does not work with me. Secondly, you were already processed a pro rata refund on the 5th of June 2024. Sometimes this does not appear on the bank statement. The bank can find this with the Acquirer Reference Numbers (ARN) - 88888888888888888 Once the bank have confirmed this I would personally like an apology for the time you have wasted and the serious accusation. Regards, Marc =================================================== I was going to drop it at this point, throw it in my spam folder as a mistake in my judgement, lessons learned to do due diligence on such a company next time, however this then got my back up when a pestering follow up arrived: ==================================================   From: info@premiumracingtips.com <info@premiumracingtips.com> Sent: 20 June 2024 18:35 To:X Subject: Re: Notice Before action - Court proceedings   Hi X Still waiting on a response and an apology? Regards, Marc --------------------------- On 21/06/2024 09:11, X wrote:  I dont think you read the email correctly, so I will presume you misunderstood.   The only thing Im sorry about is using your service.    To recap:   You didn't respond to emails, of which I had to send multiple to get an ounce of attention You did not confirm any refund or ask to agree on pro-rata reduced refund You do not send out 1-2 tips a day as per your website (trade description act breach) And you seem to forget who is the customer here, you have been dismissive and non responsive and now asking for an apology??   My 14 day notice still stands, I am currently not satisfied with the response and a full refund is still outstanding.   This can be processed easily and without further waste of time. Please process this or send on your final response on this matter (letter of deadlock) so next steps can be taken.     ------------------------------------------------- Sun 23/06/2024 21:18 High importance You replied on Mon 24/06/2024 09:06 Evening X Thanks for another email. Payment has been refunded Acquirer Reference Number (ARN) 8888888888888888888 (altered for security) I am sending this again as you did not acknowledge you have received the refund. This was processed on the 5th of June 2024. Sometimes I have bad actors that join my service and try and defraud my business with similar tactics to what you are attempting. It's pretty embarrassing that you are attempting to defraud a business after you have already been refunded. Tells me a lot about your character. I advise you use this link - https://www.gamstop.co.uk/ Also, for future reference this is your postcode - xxx xxY ???  (altered for security) Regards, Ash -------------------------------------------- My final mail: --------------------------------   I do not agree with any of your statements, in order for fraud to occur something must be untrue. You have other unhappy customers, that's interesting to know.   I acknowledge a partial refund has been received for  £24.99  - so  £25 is still outstanding.  I do not agree to a pro rata refund for something I haven't received.   Thanks for the link, but it doesn't apply to me (unless that was an insult, if so, you're 'business' condones insults to customers?)     Thank you for acknowledging you also have my personal data on file. Under GDPR, I do not consent to you storing any of my personal data and this now must be deleted as well as anywhere it may have been shared.   Thank you  
    • He will be grilled thoroughly, however those above him as culpable.
    • Here is the start of the revised letter to IPC.  do not worry about repercussions from CPM they should have enough problems without  picking on you as well. particularly as they know the case against you is lost.   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  PCN on 8/3/24 which was sent by post on 13/3/24  [deemed delivered 15/3/24] which I did not receive and had to send an sar after receiving the Reminder on 16th April 2024. Despite being not the only motorist who has not received A Notice to keeper from CPM. that is not the reason for my complaint. The reason is that when I received the NTK as a result of the sar I noticed that it stated I had 28 days to pay their demand starting from the day after  the NTK was given.  As the NTK was deemed delivered on the 15th March 2024, the earliest the Reminder could have  been sent was the 13th April 2024 which was a Saturday. Yet not only was the Reminder sent a day early before the 28 day period had elapsed their Reminder averred that the 28 day period had elapsed. This is a serious breach of the Protection of Freedoms Act Schedule 4 S4 [4] 4)The right under this paragraph may only be exercised after the end of the period of 28 days beginning with the day on which the notice to keeper is given. It is also a breach of your own Code of Practice and calls into question their ability to obtain keeper details from the DVLA. I believe it is a breach of my GDPR . I assume that my CPM Reminder is not the only one that has breached the Act so as you will have to contact CPM and presumably the ICO and the DVLA  I will not be expecting a reply from you for 10 days. However I do hope that you can expedite the matter to avoid me complaining to the ICO and the DVLA.                                        Yours Sincerely  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • 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.

      Please can you advise what I need to do today to get this done. 
       

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

Car Excess - Charged £1200 for scratches


izzle
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3979 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello everyone,

 

I would really appreciate some feedback regarding excess insurance charges on a recent hire car.

 

I returned the car with some scratches and one very small dent (the dent probably less than 25mm) to the front wing, caused by a scrape against a parking gate. This was very slow moving, minor damage, of which I have photos. I would imagine some retouching would need to be done to the scratches which were only on an area of the driver side wheel arch.

 

On returning the car, I expected to be charged. I didn't realise that it was the policy of the rental company to charge the FULL excess for ANY damage to the body! Does this sound like acceptable practice? In this case the full excess was £1000 PLUS VAT (which I was not aware was not already included) bringing the cost up to a whopping £1200!

 

As far as I could see, I didn't have much choice, although I questioned the costs, the member of staff just repeated that it was policy and 'he really hated taking money off people'. They already had my card details so he deducted it there and then.

 

I did receive a receipt, though there is no breakdown of costs - how could there be? They haven't been given any quote for the work!

 

I do have a seperate annual insurance excess policy, with icarhire incsurance, exactly for these scenarios. What I'm concerned about is that they won't cover £1200 because it seems like a disproportionate amount and that I should have argued more strongly at the time not to be charged and to be sent a bill and at least 2 or 3 quotes for the work.

 

What are my options here? I'm starting the claim with icarhire insurance, but I don't know how long that will take. Can I take action with the car hire company in the meantime? Would it be possible to claim the money back from my credit card, for instance?

 

I feel like at the very least, I should claim about the policy of instantly charging the full amount, but I'm not sure where to start.

 

Any help or feedback welcomed.

 

Thanks,

Andy

Link to post
Share on other sites

why did you not take out the additional insurance to cover the excess? 1bout £5/day.

they can only take the full excess if the repair etc is greater than that.

However you must take into account that if the vehicle is of the road for repairs they are losing income for that vehicle, so they have to cover that cost as well!

Link to post
Share on other sites

Hi raydetinu,

 

Thanks for taking the time to reply.

 

I probably didn't make this clear: I have an annual excess insurance policy, this is independent of this particular car hire or car hire company. You can google them and see how that sort of policy works.

 

That should cover me for excess insurance for a single incident up to £2000, or multiple incidents up to £3000. It would be unnecessary to take out £5 extra per day, in this case 13 days x £5 = £65 extra, when the policy I have costs only £40 for a year and includes cover in Europe.

 

Why am I worried then? I have to pay out the £1200, first and foremost. I now need to claim this back from icarhireinsurance. What if they only cover a portion of that, for instance if they value the damage as being less? What if there's some small print I've missed, and they refuse to pay out at all? I am left £1200 further in debt on my credit card.

 

Also, there is surely an issue for anyone without the insurance that I have - they would be automatically charged £1200 and that would be that, out of pocket. Is it right that the car hire company can charge you a fixed amount before getting quotes for repairs? Ok, so there would be time off the road, but at a rental cost of approx £25 a day, that's a lot of days off the road before you get up to £1200.

 

Finally, I'm really not happy that they advertise the excess as £1000 - but actually there is the additional 20% VAT taking it up to £1200 - not an insubstantial amount. I need to investigate further to see how clearly this was presented at the point of sale.

 

Does anyone else have similar experience in these situations?

 

Thanks,

Andy

Link to post
Share on other sites

Send the car hire company a letter by Special Delivery.

Include copies of the photos if the damage.

 

Stress how you are willing to settle their reasonable losses, but that a blanket £1200 seems excessive, and that you require a breakdown of the charges.

 

Warn that if the breakdown isn't forthcoming you will issue a chargeback via your credit card company.

 

Copy all correspondence to you excess insurer, showing you are aiming to limit their liability/loss.

Link to post
Share on other sites

Thank you both for the last two posts.

 

I will definitely contact the company to ask for a breakdown/invoice for the cost of work done. Putting it all down in a latter by special delivery seems the way forward, although I'm not sure how I go about finding the correct address. I've got a customer services number, so I'll try giving them a call first and see where that gets me.

 

Thanks again, it really helps to form some sort of action plan.

 

Andy

Link to post
Share on other sites

A brief update, and I would also appreciate any thoughts on this:

 

After looking at the guidance leaflet that was originally supplied by the car hire company, the process for damage is: to carry out work or get an invoice for the work, then to bill the customer.So nothing about immediately deducting a blanket amount.

 

A family friend has also suggested stopping the card payment (it's pending at the moment) until I have been supplied the full cost breakdown. Is this a better option? Not to pay until they have gone through the correct process? I should add that the friend in question has no legal expertise in this area, as far as I know.

 

Thanks,

Andy

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...