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    • Well I sent them the letter of claim, the only responses so far was a few emails reopening the claims on the parcels where they asked for information such as proof of value (which I get) but other things like photos of the parcels, which I haven't got as I never took photos of them. It's been well over the 14 days since I sent the letter now anyway, so what do you think I should do now?
    • Know it has already been answered, but? Does not explain why JCI has registered a different default date when they get the information from the original creditor, Virgin
    • Since you were stopped at the time there is no requirement for the police give you anything there and then or to send you anything before they have decided how to deal with the offence.  They have three choices: Offer you a course Offer you a fixed penalty (£100 and three points) Prosecute you in court  The only option that has a formal time limit is (3). They must begin court proceedings within six months of the date of the alleged offence. Options (1) and (2) have no time limit but since the only alternative the police have if you decline those offers is (3) they will not usually offer a course beyond three months from the date of the offence and will not usually offer a fixed penalty beyond four months from that date. This is so as to allow time for the driver to accept and comply with their offer and to give them the time to go to option (3) if he declines or ignores it.  Unless there is a good reason to do otherwise, the action they take will usually be in accordance with the National Police Chiefs' Council's guidance on speeding enforcement. In a 40mph limit this is as follows Up to 45mph - no action. Between 46mph and 53mph - offer a course Between 54mph and 65mph - offer a fixed penalty Over 65mph - prosecution in court So you can see that 54mph should see you offered a fixed penalty. Three weeks is not overly long for a fixed penalty offer to arrive. As well as that, there has been Easter in that period which will have slowed things down a bit. However, I would suggest that if it gets to about two months from the offence date and you have still heard nohing, I would contact the ticket office for the area where you were stopped to see if anything has been sent to you. Of course this raises the danger that you might be "stirring the hornets' nest". But in all honesty, if the police have decided to take no action, you jogging their memory should not really influence them. The bigger danger, IMHO, is that your fixed penalty offer may have been sent but lost and if you do not respond it will lapse. This will see the police revert to option (3) above. Whilst there is a mechanism in these circumstances  to persuade the court to sentence you at the fixed penalty level (rather than in accordance with the normal guidelines which will see a harsher penalty), it relies on them believing you when you say you did not received an offer. In any case it is aggravation you could well do without so for the sake of a phone call, I'd enquire if it was me.  I think I've answered all your questions but if I can help further just let me know. Just a tip - if you are offered a fixed penalty be sure to submit your driving licence details as instructed. I've seen lots of instances where a driver has not done this. There will be no reminder and no second chance; your £100 will be refunded and the police will prosecute you through the courts.
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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.

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GoSkippy cancelled insurance instead of amending. The way forward? **Resolved**


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Hi,

 

 

I made a complaint to GoSkippy yesterday as they cancelled mine and my partners joint insurance because we got the date wrong for when his provisional licence started; they gave 7 days notice of cancellation. The mistake was unintentional but GoSkippy refused to let me amend the policy and pay extra instead opting to cancel the policy leaving me having to answer that dreaded question every time I apply for insurance from now on; they of course managed to charge me silly money for the cancellation as they said the mistake was ours and also told me I could reapply for a policy after ours was cancelled!!! I have a cart-load of no claims on another policy but this cancellation will still affect me badly so I want redress as this was an innocent mistake.

 

 

As an aside, my partner today had a call on my mobile from Eldon asking him about an accident he has never had; he is a learner and has never had an accident and he has never given my number as a contact so what gives?

 

 

I'm really not happy as what they have done is going to affect me financially for all time. Apart from going to the ombudsman which is next on the list, any advice anyone? I've read online they are terrible at dealing with complaints. Thanx

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What was the date of the licence and what was the date that you gave?

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We gave the date it was issued in 2014 as DVLA said the old 2004 one had expired and been cancelled and a new one had to be applied for. My partner applied for a new license and gave me the date of this one believing the old one was cancelled.

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Seems to be an honest mistake and not something they should have voided the policy over. You will need to complain to the insurance company before going to the ombudsman as they need chance to rectify the complaint themselves

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Thanks Jaye05. Goskippy complaints dept talked to their underwritters about this; the outcome being I don't have to declare the cancellation when taking insurance in the future. They sent this in writing & also cancelled the cancellation fee which they said will be refunded. I must say I expected the worst when I checked their reviews after the insurance was cancelled but they dealt with my complaint and had a resolution a few days after receiving my letter which was a huge relief.

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