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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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No Insurance and car seized


tigeress289
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I was stopped in a random police check point on a Saturday on my way back from the cash and carry locally to where I live.

 

I was driving my brothers vehicle as mine was being repaired.

We both have fully comp insurance and both are covered to drive other vehicles with owners consent.

 

The officer that stopped me asked where I was coming from and going to,

I replied from the cash and carry and on the way home.

 

I was asked for my Insurance and I explained that the vehicle was my brothers.

The officer went to his car and returned saying I was uninsured and he would be seizing the vehicle.

 

I explained I had Insurance on my own vehicle and gave him the registration.

He went back to his car and returned saying I was not insured and he would be seizing the vehicle, which he did.

 

I made my way home with my wife and the contents of the vehicle by mini cab.

I then contacted my brother to explain what had happened and he went to the compound with his insurance and paid and retrieved his vehicle the same day.

 

I was give a seizure proforma form by the officer and when I got home and tried to read it, I realised that it was unreadable and could not make out a single word on it.

I have now received a conditional offer of fixed penalty but I will not pay it as I was insured.

 

Being the first time I have been stopped and treated in this way,

I am finding it hard to see why both Insurances came back as not insured

 

. I think the officer inferred I was a business but could not check the proforma form when I got home as I have already stated it was unreadable. There is also nothing on the conditional offer form other than that I used a motor vehicle on a road/public place without third party insurance. Contrary to section 143 of the RTA 1988 and schedule 2 to the RTOA 1988.

 

Having spoken to my insurance company they say I am insured by third party cover.

I have told friends about this and amazed how many have said they have had similar experiences with the police as if it is the new thing to raise fines and endorsement's.

 

One funny point is that adding business use to your cover is sometimes cheaper even if you don't have a business, it just stops this kind of police targeting to stop.

 

My question is how to fight this,

do I write to the processing services or can I write directly to the CPS.

I have 21 days left in which to either accept a £300 fine and 6 points or defend myself.

 

Any help/advice grateful.

Edited by dx100uk
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Send the insurance details to the relevant dpt and that should be the end of it.

If they want to take you to court (unlikely) the judge would whip the officer, the cps and everyone else involved in his own courtroom.

Your brother needs to put a claim through to recover the release fee as he was insured.

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Thank you, I will sit down over weekend and write a letter. Would it be a good idea to enclose a copy of my brothers Insurance as well.

 

Hi, do you have cover for business as I get the feeling that they have taken action on the basis that you haven't.

 

You were coming back from a cash and carry with stock, is that correct?

 

I of course might have the wrong end of the stick.

 

Spud

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I use a cash and carry and I don't have any business.

Some organisations have agreements with cash and carry to let their employees have a card and shop in there.

Doesn't mean you run a business.

I buy in bulk because it's cheaper, especially cleaning products which last me a year or so.

Business insurance is required only if driving for business purposes, not to buy your own goods that you're gonna use yourself.

By no stretch of the imagination that can be considered a business.

Said that, was the op shopping for his business?

If so then business insurance is required.

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No, I am a Builder but sometimes use a cash and carry near us which is open to the public with no membership.

 

We sometimes buy bulky items and split between us. I assume the officer had made his mind up straight away after I said I was coming from a cash and carry.

 

Some friends seem to imply that they think the officer was prejudice as I am British Indian buying from a cash and carry.

I don't want to think that way as this was an insurance issue for which both cars were insured.

I have even thought about the business side but legally I am still covered by third party cover which section 143 refers to.

 

As someone who has never committed a motoring offence and had insurance all my driving life, I cannot believe that it has come to the point where officers are looking for clauses in an insurance which we pay heavily for and then treat us like criminals.

 

I really don't care if I owned Tesco's, I was insured.

It come's to something when a driver cannot use a cash and carry as the police will think we are all shopkeepers.

 

Great site and keep up fighting for peoples rights,

Thank You

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Cash and carry open to the public without membership and you're not in business of selling goods.

You are therefore insured fully.

Time to write to them and get this sorted.

Consider that Costco is a cash and carry where you need a membership card to even enter the store and membership is offer to police officers and soldiers.

Do they need business insurance to go there?

Of course not.

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Thank you all for replies as I was starting to feel that we are getting more powerless day by day.

 

I tried 2 well known motor insurance solicitors, one said pay the other said £700+ to write letter but only £200+ if they have to go court.

 

To be honest the second gave me confidence as the initial fee was far higher which implied to me I had a fighting chance.

 

I will send the letter and documents tomorrow and keep you posted what happens.

 

 

 

Again Thank you

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Don't need a solicitor to write a letter.

Just state that you were fully insured at time of being stopped and send evidence to this effect.

Highlight the fact that you don't shop for business at the cash and carry and the store is open to the public without membership.

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Just get a letter from Insurers that the vehicle was Insured for road traffic act cover at the time under driving other cars extension.

 

Send the letter to the Police station that the officers are from and it should be dealt with. The Police will then tell you which office to contact to reclaim any costs incurred.

 

Always a risk to drive under the driving other cars extension, as it is really emergency cover, to provide cover for the odd occasion, where you cannot be added as a named driver on the policy the vehicle is covered under. E.g. Insurers office is closed. The driving other cars extension was never meant to be used by people to regularly drive other vehicles.

We could do with some help from you.

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Just get the Insurers confirmation in writing that at the time you were stopped you had Insurance.

 

Driving other cars extension cover is not as straightforward as some people think.

The Police deal with this on a regular basis and they will have discussed this with the Insurers.

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

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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  • 2 weeks later...

Just a quick update.

Received letter back stating I was not insured as being used for business.

 

I have been given an extra 14 days to reply but I see this going to court.

I am going to reply and ask to see footage of any body camera worn as I can get a bit short when dealing with the police as I have no trust in them or common sense.

 

Will keep you informed.

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Just a quick update. Received letter back stating I was not insured as being used for business. I have been given an extra 14 days to reply but I see this going to court. I am going to reply and ask to see footage of any body camera worn as I can get a bit short when dealing with the police as I have no trust in them or common sense.

 

Will keep you informed.

 

Interesting. If you assert that you were using the vehicle for non business matters, then it would be for the police to prove beyond any reasonable doubt this fact in court, do you have receipts? Surely a non business transaction would be a few items rather than a large stock purchase?

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Just a quick update. Received letter back stating I was not insured as being used for business. I have been given an extra 14 days to reply but I see this going to court. I am going to reply and ask to see footage of any body camera worn as I can get a bit short when dealing with the police as I have no trust in them or common sense.

 

Will keep you informed.

 

You can ask for the footage but can’t insist on it unless / until the matter is going to trial.

 

How will the body camera footage help you?

 

 

If you think it will show you being “a bit short” with them it may incline the bench against you!

 

If you think it will show you saying “of course I’m insured officer, as I’m not using the vehicle for business purposes, these goods all being my personal belongings!” : then it might help ......

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