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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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LV Insurance renewal issue


mavman
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I'm new - just registered. I'd be grateful for your advice.

 

Mid last year I called to renew my car insurance with LV.

At the conclusion of the call I was asked to pay the £40 deposit

I was told that their payment system was 'broken' and that I would be called back for payment to be taken later.

So far so good.

My car insurance renewal was completed.... So I assumed.

LV never did call me back

As LV had all my details (I had been insured with them the previous year) I thought nothing of it.

 

Several months later I received a DVLC letter informing me I was NOT uninsured.

I immediately called LV and discovered that they had not taken the payment (not through any failure on my / my bank's part) and consequently I had NOT been insured for the previous 4+ months.

 

LV have offered compensation of £100,

considering the potential financial repercussions to me of their administrative failure (had I been involved in an accident) I am wondering if there are any informed views on precedent in such a situation.

 

I am no lawyer

while it is the driver's responsibility to ensure his vehicle is insured,

one can equally argue that it is reasonable given the telephone conversation (of which I have a recording) to assume that the onus would be on LV to call me back as promised or to assume they would complete the transaction given they had all my existing details.

 

I would be interested to hear what people think.

 

Many thanks.

 

Mav

Edited by honeybee13
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If they took your Instruction to renew then the policy was renewed and you were Insured.

LV need to ensure that the policy is in continuous force from renewal and update the MID with tne Insurance details.

 

LV need to supply you with an Insurance certificate and letter confirming the cover from renewal, so you can advise DVLA of the continous Insurance.

 

Up to LV to do this and you just need to pay the premium.

Edited by honeybee13
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Was it not on auto renewal ......why did they want a deposit.....strange ?

 

Andy

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Hi Andy. Good point. It was on auto renewal, and LV had renewed it a week ahead of the renewal date at an increased premium.

This increase irked me as I'd found a cheaper identical deal (ironically with LV) on a price comparison site.

 

When I rang LV and said

"my car insurance renewal is tomorrow, but you've renewed it a week early, you've hiked the price up, AND I've found the same deal cheaper online.... What is going on?".

 

LV's response was that to process this I would have to cancel my just-renewed-insurance and begin a new insurance contract, which I then did..... just as their payment system tipped over....

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LV can resolve this.

Insurance companies record phone calls, so they can check to see what happened.

Suggest an urgent complaint and insist this is resolved.

LV are a bit of an amateur shambles.

 

Speak to anyone in the Insurance industry and they will tell you that they are a very unprofessional company who operate to very low standards.

 

I have not found anyone that has had dealings with them that would recommend them. And by dealings,

I mean people within the Insurance industry who have unfortunately had to deal with them on a regular basis.

Edited by honeybee13
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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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Hi Andy. Good point. It was on auto renewal, and LV had renewed it a week ahead of the renewal date at an increased premium.

 

This increase irked me, as I'd found a cheaper identical deal (ironically with LV) on a price comparison site. When I rang LV and said "my car insurance renewal is tomorrow, but you've renewed it a week early, you've hiked the price up, AND I've found the same deal cheaper online.... What is going on?". LV's response was that to process this I would have to cancel my just-renewed-insurance and begin a new insurance contract, which I then did..... just as their payment system tipped over....

 

Uncanny...I have done exactly the same thing this week also....£140 cheaper they couldn't match their new online quote over the telephone...so I did as you and they simply moved the auto renewal and told me to buy the new quote...no need for deposits as Im already an existing policy holder...my old policy will lapse and my new will take over..DD will change accordingly to the lower monthly amount.

 

Email PDF received conformation with new schedule and conformation.

 

Happy days:-) Love LV

 

Andy

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You are right; and I have already begun a complaints process. They have sent me the recording of the phone call. So far they have offered me £50, and then subsequently £100 in compensation.

 

However the impact of LV's failure (i.e. driving on UK roads for 4 months withour insurance), if I HAD been involved in a crash then implications (both legal and financial) would have been massive and potentially catasrophic. I don't believe £100 represents fair compensation for this.

 

I am absolutely NOT a money grabbing claim making scrounger - far from it, but I am in no doubt LV would have left me hanging in the breeze should I have tried to make a claim whilst uninsured. My reason for posting on this forum is to sound out people's views and discover if there is any precedent.

 

I would welcome people's thoughts.

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Yes appreciate that...but there is a slight flaw in your argument......you never queried not getting notification (PDF) or the Certificate of Insurance and lastly DD not being taken from account ?

 

I would take the £100...knock it off this years insurance ?

We could do with some help from you.

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There in lies the rub. Technically it is the drivers responsibility to ensure his vehicle is insured. And that is LV's position.

 

In the context however - an existing customer renewing insurance (albeit with the hiccup of having to begin a new contract so as to get their advertised online price) - in the flurry of the usual letters and emails that followed the call, I failed to do as you say (i.e. check for a document of insurance and a DD deduction from my account).

 

While this may seem an obvious error, bear in mind I recieved a flurry of various renewal letters, insurance documents, T&Cs letters etc which in retrospect related to the "just renewed and then cancelled" policy, rather than the 'start again with online price' policy.

 

So it boils down to what is reasonable? Is it reasonable for me to need to check every document from LV after I had been assured on the phone call that payment would be taken? As an existing customer they had taken money out of my account every month since 2014, so why would I assume there would be a problem?

 

I'm not entirely sure...

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