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    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
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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.

      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.
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      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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Three claims were made on car insurance when it should have been one - HELP!


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Hi everyone,

i am writing this on behalf of my wife. She was involved in a car accident early this year where the other driver drove into her on the side of her car and then exchanged details for insurance.

She came home, called her insurance (First Insurance) and made a claim. Somehow, a claims company got involved (Winn Solicitors) and told her that the other driver accepted all liablilites and her excess and no claims bonus will not be affected.

They gave a five star service by coming to the house and collecting her car for repairs and devliering the hire car etc etc. She didnt take notice as she made the claim to her insurance company and they got a claims company involved (i think that was the case).

She got her car back and all was good. Until now...... her renewal came and her premium shot up. She enquired with her insurance and they landed the bombshell that she made 3 claims earlier this year. 

She was shocked and wanted answers but they said to speak to the claims company. So she called up Winn Solicitors and they said she needs to call her insurance company called AXA. My wife was confused, her insurance is First Insurance but now its AXA, even though the renewal came from first.

 

I belive shes a victim of a [problem] and shes really hearbroken. 

 

I would appreciate if i can get some advice here on what to do as it appears none of the company are helping her situatiuon due to the confusion.

 

your advice is much appreciated. thanks 

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Start off by sending each party an SAR.

 

I expect that site team member @unclebulgaria67 will be along soon to give you some good advice

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Hi Bankfodder, 

thanks for your quick response.

When you say each party, are they 

- First Insurance (wifes insurance comapny)

- Winn Solicitors (claims)

- AXA (no idea how they are her insurance comany)

??

So i should send it in writing and avoid email?

 

thanks

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Writing is best. Recorded delivery

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First Insurance are probably the Insurance providers, but the actual policy underwriting and claims underwriting was AXA.

 

Suggest that your Wife calls First Insurance, as there appears to be an error.  Winn Solicitors may have been appointed by the third parties Insurers and the third parties insurers pay all of the claim costs. Therefore there would not be any claim paid under your wife policy.  

 

Of there has been a misunderstanding and Winn Solicitors were given your wifes details by First Insurance and so far the Insurance underwriters AXA have not made any recovery from the third party, therefore there is one fault claim.

 

Does not explain the 3 claims.

 

This is for First Insurance to resolve. Make a complaint.

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Hi Guys,

thanks for all your advice.

After speaking to AXA, they confirmed that only one claim was made and it was in my wifes favour so her NCB was not affected. However, they were quite annoyed with the fact that First insurance had 3 claims on their system so they lodged an official complaint. They also sent an email confirming the one claim to First insurance. First did call later that evening to apologies to my wife and updated her renewal quote. And unclebulgaria67 you were right, First insurance are insurance providers and underwriters are AXA - (AXA made this clear not First).

 

We're just glad she wasnt a victim of those clone vehicle scams that we hear about..

 

anyway, thanks for your prompt responses and advice.

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